{"buyer_scenarios":[{"fit":"best_suited","scenario":"Applicants with rare recreational marijuana use who may qualify for Select Preferred or Preferred within Protective's stated parameters ."},{"fit":"best_suited","scenario":"Applicants with medically documented marijuana use, which Protective underwrites case by case ."},{"fit":"best_suited","scenario":"CBD oil users, whose use Protective describes as typically qualifying for Select Preferred, subject to the full profile and current guidelines ."},{"fit":"best_suited","scenario":"Applicants seeking conventional individual term coverage with possible accelerated or no-exam underwriting ."}],"citations":{"source_mix":{"company_owned":17,"independent":19,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":7},"total_sources":36,"unique_domain_count":21},"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","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Marijuana Users","subject":"Protective Life","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Protective Life","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai"],"predicate":"fit_rating_count","qualifier":"good","subject":"Protective Life","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Protective Life","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Protective Life","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-22","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Protective Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.75,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Protective Life","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-marijuana-users/protective-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-marijuana-users/protective-life","report_type":"fit_review","study_id":"LICI-STUDY-E6FC371BEC80","title":"Protective Life 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 10:37:13.556891+00","research_date":"2026-09-22","source_snapshot_sha256":"f7309b4d4a894b32e6d568655576867a37f6f9c726bebed04afa4f68e26319cd","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective Life is a mixed-to-good fit for marijuana users seeking life insurance, but not a definitive one. Four of seven platforms named Protective Life during the ranking stage, and its average listed rank was 4.75, with a best rank of 2. The strongest reason to consider it: Protective's own underwriting material expressly addresses medicinal and recreational marijuana, and rare recreational use may qualify for Select Preferred or Preferred classes . The main limitation: platforms disagreed sharply on whether Protective treats marijuana as tobacco, and no public marijuana-specific rate…","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"}}