{"buyer_scenarios":[{"fit":"best_suited","scenario":"Applicants who use marijuana regularly, including some daily users, and want fully underwritten term coverage ."},{"fit":"best_suited","scenario":"Applicants with marijuana use plus other medical or underwriting details who may benefit from manual review and additional evidence ."},{"fit":"best_suited","scenario":"Applicants seeking term coverage of $250,000 or more through Lincoln LifeElements ."},{"fit":"best_suited","scenario":"Medical marijuana users with documented prescriptions and qualifying underlying health conditions ."}],"citations":{"source_mix":{"company_owned":15,"independent":39,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":41,"partial":11},"total_sources":54,"unique_domain_count":30},"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","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Marijuana Users","subject":"Lincoln Financial","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":"Lincoln Financial","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Lincoln Financial","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai"],"predicate":"fit_rating_count","qualifier":"good","subject":"Lincoln Financial","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Lincoln Financial","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Lincoln Financial","unit":"platforms","value":1}],"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":"Lincoln Financial","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-marijuana-users/lincoln-financial.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-marijuana-users/lincoln-financial","report_type":"fit_review","study_id":"LICI-STUDY-9ABA5EEF10D3","title":"Lincoln 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 10:27:58.932647+00","research_date":"2026-09-22","source_snapshot_sha256":"3886b326695cf48970c81ce1cc900938b62d38eefabfff490894e4722aaa2be5","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Lincoln Financial is a good fit for many marijuana users seeking life insurance, but it is not universally best. All 7 platforms in this study named Lincoln Financial during the ranking stage — a 100% mention rate — and it finished first overall with an average listed rank of 3.29 and a best rank of 1. The strongest reason to consider it: independent 2026 sources identify Lincoln as competitive for daily marijuana users, and Lincoln's own underwriting materials reference marijuana use meeting standard non-tobacco or better classification. The main limitation: Lincoln does not publish a…","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"}}