{"buyer_scenarios":[{"fit":"best_suited","scenario":"Occasional to moderate users. Anthropic describes moderate users at up to four times weekly seeking non-tobacco rates and standard or preferred classes (anthropic:citation28). Grok describes occasional or moderate…"},{"fit":"best_suited","scenario":"Applicants willing to use an advisor. OpenAI lists applicants willing to use a financial professional and obtain individualized underwriting before applying . DeepSeek lists buyers willing to verify cannabis treatment…"},{"fit":"best_suited","scenario":"Buyers wanting permanent coverage. OpenAI lists applicants specifically seeking permanent coverage with indexed universal-life or long-term-care features rather than the lowest-cost term coverage . Anthropic lists…"},{"fit":"best_suited","scenario":"Applicants with otherwise clean profiles. OpenAI lists applicants whose marijuana use is occasional, fully disclosed, and not accompanied by problematic medical, driving, alcohol, or other-drug history . DeepSeek lists…"},{"fit":"not_best_suited","scenario":"Heavy or daily users. Anthropic states heavy users at five or more times weekly typically receive non-competitive rates or declines (anthropic:citation28). Grok states five or more times weekly or impairment leads to…"},{"fit":"not_best_suited","scenario":"Cannabis industry employees and owners. Grok reports no coverage for policies owned by marijuana-related businesses or on the lives of people employed in the industry, including dispensary, distribution, and grow…"},{"fit":"not_best_suited","scenario":"Buyers needing published rules. OpenAI lists applicants seeking a transparent, publicly posted marijuana underwriting table as poorly suited . Perplexity lists frequent or heavy users who need clearly published…"},{"fit":"not_best_suited","scenario":"Price-sensitive term shoppers. OpenAI lists applicants primarily seeking inexpensive term insurance . Anthropic lists applicants seeking lower-cost term life insurance with minimal underwriting friction…"}],"citations":{"source_mix":{"company_owned":16,"independent":26,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":33,"partial":7},"total_sources":42,"unique_domain_count":25},"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 Marijuana Users","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Marijuana Users","subject":"Brighthouse Financial","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Brighthouse Financial","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Brighthouse Financial","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","deepseek","grok"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Brighthouse Financial","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Brighthouse Financial","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Brighthouse Financial","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-marijuana-users/brighthouse-financial.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-marijuana-users/brighthouse-financial","report_type":"fit_review","study_id":"LICI-STUDY-B39BCCBD7458","title":"Brighthouse Financial for Life Insurance for Marijuana Users: 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 10:46:07.802347+00","research_date":"2026-09-22","source_snapshot_sha256":"75483f92bb156f69aa565163f12ab8f17fdece713e2e2f62409656d792000602","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Brighthouse Financial is a mixed fit for a marijuana user seeking life insurance. Two of the seven platforms in this study named Brighthouse during the ranking stage — Anthropic (rank 4) and Google (rank 5) — giving it an average listed rank of 4.5 and a 28.6% share of included platform responses. The strongest reason to consider it: independent sources describe Brighthouse as not automatically classifying marijuana users as tobacco smokers, with possible non-tobacco classes for infrequent use . The main limitation: Brighthouse publishes no current, product-specific cannabis underwriting…","target_buyer":"A consumer uses marijuana and wants life insurance.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They understand that underwriting may differ depending on frequency","method of use","recreational versus medically documented use","other substance use","driving history","health conditions","and the carrier's current guidelines."],"geography":"United States","slug":"best-life-insurance-for-marijuana-users","title":"Best Life Insurance for Marijuana Users","use_case":"Life Insurance for Marijuana Users"}}