{"buyer_scenarios":[{"fit":"best_suited","scenario":"Applicants ages 30 to 65 (anthropic:citation2, , google:lovettfinancialguidelines, kimi:riskquoter)."},{"fit":"best_suited","scenario":"Applicants with 5+ years since diagnosis and 36+ months on antiretroviral therapy (, kimi:riskquoter, google:lovettfinancialguidelines)."},{"fit":"best_suited","scenario":"Applicants with undetectable viral load for 30+ months and CD4 consistently above 350 (, kimi:riskquoter)."},{"fit":"best_suited","scenario":"Applicants with no tobacco use, no hepatitis history, no AIDS-defining conditions, and no HIV acquired via transfusion or IV drug use (, kimi:riskquoter, google:lovettfinancialguidelines)."},{"fit":"not_best_suited","scenario":"Applicants seeking coverage above $2 million. Prudential, AIG/Corebridge, or Pacific Life may offer $5–10 million capacity (anthropic:citation18, anthropic:citation19)."},{"fit":"not_best_suited","scenario":"Applicants younger than 30 or older than 65. Guardian extends lower and upper age boundaries (kimi:guardianlife, anthropic:citation21)."},{"fit":"not_best_suited","scenario":"Applicants with newly diagnosed HIV or less than 6 months of stable treatment. Most carriers prefer a 6–12 month stability window (anthropic:citation23, anthropic:citation25)."},{"fit":"not_best_suited","scenario":"Applicants with AIDS-defining illness or CD4 below 200. Guaranteed issue or simplified-issue products may be the only path (anthropic:citation22)."}],"citations":{"source_mix":{"company_owned":14,"independent":23,"unclear":6},"sources_referenced_by_questions":0,"support_mix":{"direct":33,"partial":10},"total_sources":43,"unique_domain_count":28},"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 People Living With HIV","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 People Living With HIV","subject":"John Hancock","unit":"rank","value":4},{"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":"John Hancock","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"John Hancock","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"John Hancock","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"John Hancock","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"John Hancock","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-people-living-with-hiv/john-hancock.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-people-living-with-hiv/john-hancock","report_type":"fit_review","study_id":"LICI-STUDY-3D20B349D150","title":"John Hancock for Life Insurance for People Living With HIV: 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 07:51:47.207891+00","research_date":"2026-09-22","source_snapshot_sha256":"6bd2d91b989a124d0d3a611a2d9f27affc1b24f8fbe884e0a76bc4b267a2884a","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"John Hancock is a mixed-to-good fit for Life Insurance for People Living With HIV, depending on how strictly you read the public evidence. Six of seven platforms named John Hancock during the ranking stage, and five of those six rated it a \"good\" fit while OpenAI rated it \"mixed\" and DeepSeek rated it \"uncertain.\" The strongest reason to consider it is its publicly announced HIV underwriting program, which offers fully underwritten term and permanent coverage to applicants ages 30–65 up to $2,000,000 (anthropic:citation2, ). The main limitation is that John Hancock does not publish exact…","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"}}