{"citations":{"source_mix":{"company_owned":169,"independent":180,"unclear":15},"sources_referenced_by_questions":0,"support_mix":{"direct":246,"partial":55},"total_sources":364,"unique_domain_count":125},"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 Kidney Disease","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 Kidney Disease","subject":"Mutual of Omaha","unit":"rank","value":1},{"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":["anthropic","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Kidney Disease","subject":"Protective","unit":"rank","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Protective","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google","grok","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Kidney Disease","subject":"Corebridge Financial","unit":"rank","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google","grok","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Corebridge Financial","unit":"platforms","value":5},{"claim_id":"claim-008","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Kidney Disease","subject":"Gerber Life Insurance","unit":"rank","value":4},{"claim_id":"claim-009","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Gerber Life Insurance","unit":"platforms","value":5},{"claim_id":"claim-010","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Kidney Disease","subject":"Prudential","unit":"rank","value":5},{"claim_id":"claim-011","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Prudential","unit":"platforms","value":4},{"claim_id":"claim-012","confidence":"verified","observed_at":"2026-09-22","platform_support":["kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Kidney Disease","subject":"Transamerica","unit":"rank","value":6},{"claim_id":"claim-013","confidence":"verified","observed_at":"2026-09-22","platform_support":["kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Transamerica","unit":"platforms","value":3},{"claim_id":"claim-014","confidence":"verified","observed_at":"2026-09-22","platform_support":["google","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Kidney Disease","subject":"Lincoln Financial Group","unit":"rank","value":7},{"claim_id":"claim-015","confidence":"verified","observed_at":"2026-09-22","platform_support":["google","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Lincoln Financial Group","unit":"platforms","value":2},{"claim_id":"claim-016","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Kidney Disease","subject":"John Hancock","unit":"rank","value":8},{"claim_id":"claim-017","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"John Hancock","unit":"platforms","value":2},{"claim_id":"claim-018","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Kidney Disease","subject":"Banner Life","unit":"rank","value":9},{"claim_id":"claim-019","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Banner Life","unit":"platforms","value":2},{"claim_id":"claim-020","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Kidney Disease","subject":"Colonial Penn","unit":"rank","value":10},{"claim_id":"claim-021","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Colonial Penn","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.2857142857142856,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Mutual of Omaha","platform_mentions":7,"platform_share":1},{"average_rank":2.6,"best_rank":1,"entity_id":"entity-002","entity_type":"company","final_rank":2,"name":"Protective","platform_mentions":5,"platform_share":0.7142857142857143},{"average_rank":3,"best_rank":1,"entity_id":"entity-003","entity_type":"company","final_rank":3,"name":"Corebridge Financial","platform_mentions":5,"platform_share":0.7142857142857143},{"average_rank":6,"best_rank":5,"entity_id":"entity-004","entity_type":"company","final_rank":4,"name":"Gerber Life Insurance","platform_mentions":5,"platform_share":0.7142857142857143},{"average_rank":2,"best_rank":1,"entity_id":"entity-005","entity_type":"company","final_rank":5,"name":"Prudential","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":7.333333333333333,"best_rank":3,"entity_id":"entity-006","entity_type":"company","final_rank":6,"name":"Transamerica","platform_mentions":3,"platform_share":0.42857142857142855},{"average_rank":3,"best_rank":3,"entity_id":"entity-007","entity_type":"company","final_rank":7,"name":"Lincoln Financial Group","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":4,"best_rank":2,"entity_id":"entity-008","entity_type":"company","final_rank":8,"name":"John Hancock","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":5.5,"best_rank":4,"entity_id":"entity-009","entity_type":"company","final_rank":9,"name":"Banner Life","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":7,"best_rank":6,"entity_id":"entity-010","entity_type":"company","final_rank":10,"name":"Colonial Penn","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-kidney-disease.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-kidney-disease","report_type":"best_of_index","study_id":"LICI-STUDY-E14AAF7C71AF","title":"Best Health Conditions & High-Risk Life Insurance for Life Insurance for Kidney Disease: 7-Platform AI Consensus Index"},"limitations":["Exactly 7 platforms were included in this run: openai, anthropic, deepseek, grok, perplexity, kimi, google. The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a entity evidence bundle.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each entity bundle are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path.","Use the exact entity-namespaced citation IDs from the source catalog (e.g. e1:); never transfer a citation between entities."],"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":"2026-09-22 08:14:31.045232+00","research_date":"2026-09-22","source_snapshot_sha256":"8ea8db9c7ffa2f8bc1b31c6cd126504e9b9c352257f3f7a8c09d6e5a29ab6bc1","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Mutual of Omaha is the consensus leader for life insurance with kidney disease, named by all 7 platforms studied (100.0% share) and ranked first overall. It is the strongest fit for applicants with advanced, unstable, or poorly documented kidney disease who need guaranteed-issue or simplified-issue final-expense coverage. Protective (5 mentions, 71.4%) is the strongest alternative for stable, well-documented kidney impairment requiring fully underwritten term coverage, and Corebridge Financial (5 mentions, 71.4%) is the leading choice for Stage 1–3a CKD with flexible term lengths. Gerber…","target_buyer":"A consumer with chronic kidney disease or a history of impaired kidney function wants life insurance.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They understand that underwriting may depend heavily on the diagnosis","stage or severity","kidney-function measurements","cause","treatment","progression","blood pressure","diabetes","and overall health."],"geography":"United States","slug":"best-life-insurance-for-kidney-disease","title":"Best Life Insurance for Kidney Disease","use_case":"Life Insurance for Kidney Disease"}}