{"citations":{"source_mix":{"company_owned":19,"independent":24,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":24,"partial":8},"total_sources":43,"unique_domain_count":22},"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","google","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for People Living With HIV","subject":"Legal & General America","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Legal & General America","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"good","subject":"Legal & General America","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Legal & General America","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Legal & General America","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Legal & General America","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":5,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"Legal & General America","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-people-living-with-hiv/legal-general-america.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-people-living-with-hiv/legal-general-america","report_type":"fit_review","study_id":"LICI-STUDY-AC98F67FACAD","title":"Legal & General America 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 08:00:07.655386+00","research_date":"2026-09-22","source_snapshot_sha256":"cc6c2f9b0f6a085f53fbbb600d4e08069e78f52bcc827546e97487a7eb87f20c","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Legal & General America is a mixed fit for Life Insurance for People Living With HIV. Three of seven platforms named it during the ranking stage, and it finished seventh overall with an average listed rank of 5.0. Its strongest case is Banner Life OPTerm: a fully underwritten, level-premium term product with 10- to 40-year durations, conversion rights, and competitive base rates. The main limitation is underwriting transparency. Banner's own guides list HIV-positive status as requiring special review or as a likely decline, while independent broker sources describe expanded HIV programs. No…","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"}}