{"citations":{"source_mix":{"company_owned":13,"independent":21,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":31,"partial":5},"total_sources":37,"unique_domain_count":24},"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":["deepseek","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for People Living With HIV","subject":"Lincoln Financial Group","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Lincoln Financial Group","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Lincoln Financial Group","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Lincoln Financial Group","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Lincoln Financial Group","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Lincoln Financial Group","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-people-living-with-hiv/lincoln-financial-group.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-people-living-with-hiv/lincoln-financial-group","report_type":"fit_review","study_id":"LICI-STUDY-65DB37FFA672","title":"Lincoln Financial Group 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 07:56:04.023625+00","research_date":"2026-09-22","source_snapshot_sha256":"325db71591a0850c8c4bad69966ce943a760ec2cbf75766c2fe58d584b78b9d1","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Lincoln Financial Group is a mixed-to-uncertain fit for Life Insurance for People Living With HIV. Two of seven platforms named Lincoln during the ranking stage (deepseek, perplexity), a 28.6% share of included platform responses, at an average listed rank of 5.0 and a best listed rank of 3. The strongest reason to consider Lincoln is documented underwriting experience with HIV-positive applicants and fully underwritten term products such as Lincoln TermAccel and Lincoln LifeElements (, -23). The main limitation is that Lincoln does not publish current HIV-specific underwriting criteria, and…","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"}}