{"buyer_scenarios":[{"fit":"best_suited","scenario":"Applicants whose blood pressure and cholesterol are favorable, because Protective's materials indicate obesity table risks may reach standard with certain lipid and blood pressure scores ."},{"fit":"best_suited","scenario":"Applicants with controlled Type 2 diabetes (A1C under 8.0), stable mental health treatment, or sleep apnea with documented CPAP compliance, per broker guidance recommending Protective for these profiles (-1)."},{"fit":"best_suited","scenario":"Applicants seeking conventional fully underwritten term coverage, especially coverage amounts or durations that may exceed simplified-issue limits (openai:protectiveterm)."},{"fit":"best_suited","scenario":"Applicants who value term periods from 10 to 40 years, level premiums during the initial guaranteed period, and conversion options (openai:protectiveterm)."}],"citations":{"source_mix":{"company_owned":14,"independent":18,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":14,"partial":8},"total_sources":32,"unique_domain_count":18},"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","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Obesity","subject":"Protective Life","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Protective Life","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Protective Life","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Protective Life","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Protective Life","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Protective 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/protective-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-obesity/protective-life","report_type":"fit_review","study_id":"LICI-STUDY-AE7D2BB8D2DB","title":"Protective 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.","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 06:07:24.177937+00","research_date":"2026-09-22","source_snapshot_sha256":"e8e0131ee08563ceafd3d782374a21266788356edc960587c9684b73d4c36594","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":14,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective Life is a good, but not proven best, fit for a buyer with obesity seeking life insurance. Six of seven platforms named it during ranking discovery, and its fully underwritten process explicitly collects height, weight, blood pressure, and lab data, which supports individualized underwriting rather than an automatic decline (openai:protectiveapplicationprocess, openai:protectiveriskratings). The strongest reason to consider it is its age-adjusted build charts and underwriting credit programs, which several platforms say can move some obesity-related risks toward standard pricing (,…","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"}}