{"citations":{"source_mix":{"company_owned":18,"independent":17,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":16,"partial":10},"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 Kidney Disease","unit":"platforms","value":7},{"claim_id":"claim-002","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-003","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-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"John Hancock","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"John Hancock","unit":"platforms","value":4}],"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":8,"name":"John Hancock","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/john-hancock.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-kidney-disease/john-hancock","report_type":"fit_review","study_id":"LICI-STUDY-123171E273C7","title":"John Hancock for Life Insurance for Kidney Disease: 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":"2026-09-22 08:09:37.33639+00","research_date":"2026-09-22","source_snapshot_sha256":"0151c79cf027532beb9ce576dce6c0807728c28d4987e6093288fa32454492de","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"John Hancock is a mixed fit for life insurance with kidney disease. Two of the seven platforms in this study named John Hancock during the ranking stage, and those two placed it at an average listed rank of 4.0 (best rank: 2). The strongest reason to consider it is its published underwriting framework that evaluates renal function and its Vitality wellness program, which John Hancock says can reduce premiums by up to 25% for compliant policyholders. The main limitation is that no public source confirms a kidney-specific acceptance rule, eGFR cutoff, or rate table, and John Hancock's own…","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"}}