{"buyer_scenarios":[{"fit":"best_suited","scenario":"Occasional recreational users with favorable health who want term or permanent coverage (openai fit assessment)."},{"fit":"best_suited","scenario":"Applicants who want a carrier that publicly acknowledges marijuana use as an underwriting factor rather than requiring concealment ."},{"fit":"best_suited","scenario":"Buyers interested in Vitality rewards who will satisfy program requirements ."},{"fit":"best_suited","scenario":"Medical marijuana users with well-documented, well-controlled underlying conditions, where the condition itself is the primary underwriting focus (anthropic fit assessment, -5)."},{"fit":"not_best_suited","scenario":"Daily or high-frequency users seeking guaranteed preferred non-smoker treatment (openai fit assessment, grok fit assessment, )."},{"fit":"not_best_suited","scenario":"Applicants whose marijuana use is combined with nicotine, other substance use, impaired-driving history, psychiatric conditions, or the medical condition underlying prescribed use (openai fit assessment, -8, -9)."},{"fit":"not_best_suited","scenario":"Buyers who want the lowest possible price without comparing multiple carriers (openai fit assessment)."},{"fit":"not_best_suited","scenario":"Those preferring traditional whole life insurance, since John Hancock does not offer it (-1, -1)."}],"citations":{"source_mix":{"company_owned":14,"independent":27,"unclear":6},"sources_referenced_by_questions":0,"support_mix":{"direct":35,"partial":10},"total_sources":47,"unique_domain_count":29},"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":["grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Marijuana Users","subject":"John Hancock","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["grok","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":["openai","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"John Hancock","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"John Hancock","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"John Hancock","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":10,"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-marijuana-users/john-hancock.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-marijuana-users/john-hancock","report_type":"fit_review","study_id":"LICI-STUDY-73EC52184A07","title":"John Hancock 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.","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 07:19:49.694851+00","research_date":"2026-09-22","source_snapshot_sha256":"992d35ffe1ac3db2cb3326411bc4b63e9b6c35229e3fc56d62b741016c36bc75","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"John Hancock is a good but not conclusively best fit for marijuana users seeking life insurance. Two of seven platforms named it during the ranking stage (grok and kimi), and it finished 10th overall with an average listed rank of 6.5. The strongest reason to consider it: John Hancock publicly requires marijuana disclosure, and multiple platform-reported underwriting summaries indicate it differentiates rate classes by frequency and method of use, with Vitality wellness rewards that can offset premium costs. The main limitation: no current, consumer-facing, binding marijuana rate schedule is…","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"}}