{"citations":{"source_mix":{"company_owned":18,"independent":22,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":22,"partial":3},"total_sources":40,"unique_domain_count":22},"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","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Kidney Disease","subject":"Protective","unit":"rank","value":2},{"claim_id":"claim-003","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-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Protective","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Protective","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.6,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Protective","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-kidney-disease/protective.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-kidney-disease/protective","report_type":"fit_review","study_id":"LICI-STUDY-8145C9CD9415","title":"Protective 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.","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":"2026-09-22 07:57:10.075407+00","research_date":"2026-09-22","source_snapshot_sha256":"0afce4c5296453c557502dc0f7710204846396d39151a43dc85c84599be2c07c","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective is a mixed fit for Life Insurance for Kidney Disease. Five of the seven platforms in this study named Protective during the ranking stage, and it finished with an average listed rank of 2.6 and a best rank of 1. The strongest reason to consider it is that independent reviewers describe Protective as one of the better carriers for stable, early-stage chronic kidney disease (roughly Stages 1–3a) seeking fully underwritten term coverage, with term lengths up to 40 years and a conversion path to permanent coverage. The main limitation is that kidney disease disqualifies applicants…","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"}}