{"citations":{"source_mix":{"company_owned":20,"independent":18,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":32,"partial":6},"total_sources":38,"unique_domain_count":18},"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 for High-Risk Occupations","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for High-Risk Occupations","subject":"Banner Life","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Banner Life","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Banner Life","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Banner Life","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Banner Life","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.166666666666667,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Banner Life","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-high-risk-occupations/banner-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-high-risk-occupations/banner-life","report_type":"fit_review","study_id":"LICI-STUDY-B09C64DD10C8","title":"Banner Life 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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","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 07:43:51.910388+00","research_date":"2026-09-22","source_snapshot_sha256":"16b7414a6e5b75b7c29c80ef635c19c68e51faa996e20e457188b59abdbe59f0","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Banner Life is a mixed fit for high-risk occupations. Six of seven platforms named it during ranking discovery, with an average listed rank of 4.17 and a best rank of 2. The strongest reason to consider it is the OPTerm series: 10- to 40-year level term, conversion rights without new medical underwriting, and independent reviews calling Banner competitive on substandard table ratings. The main limitation is that no reviewed public source documents Banner's underwriting treatment of commercial fishing, logging, mining, offshore work, or hazardous construction. Buyers should treat Banner as a…","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"}}