{"citations":{"source_mix":{"company_owned":19,"independent":31,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":31,"partial":4},"total_sources":51,"unique_domain_count":24},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Life Insurance Companies for High-Risk Applicants","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for High-Risk Applicants","subject":"John Hancock","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"John Hancock","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"John Hancock","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"John Hancock","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"John Hancock","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.75,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"John Hancock","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-high-risk-applicants/john-hancock.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-high-risk-applicants/john-hancock","report_type":"fit_review","study_id":"LICI-STUDY-79F9ED5C4686","title":"John Hancock for Life Insurance for High-Risk Applicants: AI Consensus Fit Review"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","The deterministic identity audit contains qualification notes that must be disclosed where relevant.","Citations are platform-reported evidence, not independently verified facts. No-search model claims require explicit verification before being described as current facts."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-23 06:55:50.634331+00","research_date":"2026-09-22","source_snapshot_sha256":"6d013928f875b3760b3bb4ba937372aa907bbee7d2a30633ea067fa2d6aa55b5","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":19,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"John Hancock is a good, but not universally superior, fit for high-risk life insurance applicants. Four of the seven platforms named John Hancock during the ranking stage, and it finished with an average listed rank of 5.75 and a best rank of 3. Its strongest use-case evidence is a diabetes-focused Aspire program, wellness-linked Vitality pricing, and ExpressTrack accelerated underwriting for qualifying applicants. The main limitation is that John Hancock remains a fully underwritten carrier: serious complications, multiple impairments, smoking, hazardous occupations, or adverse recent…","target_buyer":"A consumer expects life insurance underwriting to be more difficult because of health, medical history, lifestyle, occupation, or another risk factor.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They want a financially established carrier with underwriting that may be competitive for applicants who do not fit preferred-risk profiles and are open to term","permanent","simplified-issue","or other appropriate coverage depending on eligibility."],"geography":"United States","slug":"best-life-insurance-companies-for-high-risk-applicants","title":"Best Life Insurance Companies for High-Risk Applicants","use_case":"Life Insurance for High-Risk Applicants"}}