{"buyer_scenarios":[{"fit":"best_suited","scenario":"Applicants who want long level-term periods, including 35- and 40-year options, to match a mortgage or retirement horizon (, deepseek:bl-official)."},{"fit":"best_suited","scenario":"Applicants whose obesity-related conditions are controlled — for example, CPAP-compliant sleep apnea or controlled type 2 diabetes — and who may qualify for Standard Plus rather than a table rating (anthropic:src-15)."},{"fit":"best_suited","scenario":"Applicants who value conversion to universal life without new medical underwriting, subject to policy and state terms (, anthropic:src-10)."},{"fit":"best_suited","scenario":"Male applicants who may benefit from Banner's unisex build chart, which reviewers describe as more generous than gender-specific competitor charts ."},{"fit":"not_best_suited","scenario":"Applicants with severe or poorly controlled obesity-related comorbidities, including severe sleep apnea not treated with CPAP, uncontrolled diabetes, or advanced cardiovascular disease (anthropic:src-18,…"},{"fit":"not_best_suited","scenario":"Applicants whose BMI exceeds Banner's build chart limits. One platform reported declines above BMI 40 (kimi:mozdex-best-2026); another reported Table 6 as the published ceiling for ages 20–69, with anything above…"},{"fit":"not_best_suited","scenario":"Applicants who want whole life or universal life as a primary product, since Banner's universal life is described as available mainly through conversion from term (anthropic:src-1)."},{"fit":"not_best_suited","scenario":"Applicants in New York, where Banner Life states its business is handled by William Penn instead (, anthropic:src-6)."}],"citations":{"source_mix":{"company_owned":22,"independent":36,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":49,"partial":9},"total_sources":58,"unique_domain_count":32},"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 Obesity","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Obesity","subject":"Banner Life","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Banner Life","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Banner Life","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","deepseek","grok","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Banner Life","unit":"platforms","value":6}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.1666666666666665,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Banner Life","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-obesity/banner-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-obesity/banner-life","report_type":"fit_review","study_id":"LICI-STUDY-07060B849225","title":"Banner Life for Life Insurance for Obesity: 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":"2026-09-22 06:03:32.109522+00","research_date":"2026-09-22","source_snapshot_sha256":"c6a11199502559dcf7e5f535ee052100203a6c2efb9ae99dab6e577ce38050d3","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":14,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Banner Life is a good — not clearly best — fit for a consumer with obesity seeking term life insurance. Six of the seven AI platforms named Banner Life during the ranking stage, and all seven rated its overall fit as \"good\" or \"strong\" for this use case. The strongest reason to consider it is its OPTerm product: 10- to 40-year level term coverage, build-based underwriting that explicitly evaluates height and weight, and substandard table ratings calculated from the Standard Plus rate base rather than the Standard base (anthropic:src-2, anthropic:src-5). The main limitation is transparency:…","target_buyer":"A consumer with a high body mass index wants life insurance and understands that insurers may evaluate height and weight differently and may also consider blood pressure, diabetes, cholesterol, mobility, sleep apnea, and other related health factors.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["Life insurance and understands that insurers may evaluate height and weight differently and may also consider blood pressure","diabetes","cholesterol","mobility","sleep apnea","and other related health factors."],"geography":"United States","slug":"best-life-insurance-for-obesity","title":"Best Life Insurance for Obesity","use_case":"Life Insurance for Obesity"}}