{"citations":{"source_mix":{"company_owned":26,"independent":37,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":34,"partial":8},"total_sources":63,"unique_domain_count":28},"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","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for High-Risk Applicants","subject":"Mutual of Omaha","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Mutual of Omaha","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Mutual of Omaha","unit":"platforms","value":7}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.857142857142857,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Mutual of Omaha","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-high-risk-applicants/mutual-of-omaha.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-high-risk-applicants/mutual-of-omaha","report_type":"fit_review","study_id":"LICI-STUDY-423B69697320","title":"Mutual of Omaha 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.","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 06:40:47.466683+00","research_date":"2026-09-22","source_snapshot_sha256":"72f751bedb96e340d85d4a6e35bb8478baf1234b8c8344f7a3f9484761646eda","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":19,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Mutual of Omaha is a good fit for high-risk applicants who prioritize guaranteed acceptance, simplified underwriting, or a financially strong carrier over maximum coverage or the lowest possible premium. All seven platforms named it in the ranking stage, and all seven rated its fit as \"good.\" Its strongest advantage is a layered underwriting path: Guaranteed Whole Life with no health questions, Living Promise simplified-issue whole life, and Term Life Express simplified-issue term. The main limitation is that coverage is capped at modest face amounts, guaranteed-issue policies carry a…","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"}}