{"citations":{"source_mix":{"company_owned":12,"independent":28,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":16,"partial":8},"total_sources":40,"unique_domain_count":28},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","openai"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Life Insurance for High-Risk Occupations","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for High-Risk Occupations","subject":"Banner Life (Legal & General America)","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Banner Life (Legal & General America)","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Banner Life (Legal & General America)","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","deepseek","grok"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Banner Life (Legal & General America)","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Banner Life (Legal & General America)","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Banner Life (Legal & General America)","platform_mentions":5,"platform_share":0.8333333333333334}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-high-risk-occupations/banner-life-legal-general-america.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-high-risk-occupations/banner-life-legal-general-america","report_type":"fit_review","study_id":"LICI-STUDY-9D0C3B58D23C","title":"Banner Life (Legal & General America) for Life Insurance for High-Risk Occupations: 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":6,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-22 11:55:48.274295+00","research_date":"2026-09-22","source_snapshot_sha256":"01517e91e1c6a489aef151447ef1621f8a9e55ff67c19fa0e5c3fb2962c8c25d","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Banner Life (Legal & General America) is a mixed fit for Life Insurance for High-Risk Occupations. Five of six included platforms named it during the ranking stage (83% share), at an average listed rank of 4.0 and a best rank of 2. The strongest reason to consider it is the OPTerm Series: level term coverage from 10 to 40 years, $100,000 to $10 million of coverage, and substandard ratings priced off the competitive Standard Plus class rather than Standard (, google:bannerproductspecs). The main limitation is that no reviewed public material documents occupational-risk leniency for commercial…","target_buyer":"A consumer works in an occupation that may involve elevated physical risk, such as commercial fishing, logging, mining, offshore work, certain construction work, or another hazardous profession.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They want life insurance from carriers that may be reasonably competitive for occupational risks."],"geography":"United States","slug":"best-life-insurance-for-high-risk-occupations","title":"Best Life Insurance for High-Risk Occupations","use_case":"Life Insurance for High-Risk Occupations"}}