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The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a entity evidence bundle.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each entity bundle are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path.","Use the exact entity-namespaced citation IDs from the source catalog (e.g. e1:); never transfer a citation between entities."],"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 08:05:53.677444+00","research_date":"2026-09-22","source_snapshot_sha256":"6c245ee1b85ad6a5e8f5ee30c61feb2ced85fa5989e7b3a06b7d9dc2d944b0f9","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is the consensus leader for life insurance for people living with HIV in this 7-platform study, named by 6 of 7 platforms (85.7%) with an average listed position of 2.0 and a best position of 1. 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Guardian Life is the strongest alternative for buyers who need whole life coverage or the largest published face amounts, and John Hancock is the strongest alternative for buyers who want a wellness-linked…","target_buyer":"A consumer living with HIV wants life insurance and is receiving ongoing medical care.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They understand that underwriting may consider treatment adherence","viral load","CD4 counts","duration of stability","other health conditions","medical follow-up","and the specific carrier's current underwriting guidelines."],"geography":"United States","slug":"best-life-insurance-for-people-living-with-hiv","title":"Best Life Insurance for People Living With HIV","use_case":"Life Insurance for People Living With HIV"}}