{"citations":{"source_mix":{"company_owned":11,"independent":17,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":12,"partial":4},"total_sources":31,"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 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":"Pacific Life","unit":"rank","value":1},{"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":"Pacific Life","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Pacific Life","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Pacific Life","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Pacific Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Pacific 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-people-living-with-hiv/pacific-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-people-living-with-hiv/pacific-life","report_type":"fit_review","study_id":"LICI-STUDY-1CE64C45CBF5","title":"Pacific Life 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 07:45:00.408565+00","research_date":"2026-09-22","source_snapshot_sha256":"81a9bc92f6b7a1a58ea9cdc341aed911b5ed17eaff19940870ac60bc577427b7","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is a good — but not conclusively best — fit for a U.S. consumer living with HIV who is receiving ongoing care and wants fully underwritten term life insurance. Six of seven platforms named Pacific Life during the ranking stage, and it finished first overall with an average listed rank of 2.0. The strongest reason to consider it is that Pacific Life publicly identifies HIV as an underwriting impairment, requires an attending-physician statement for HIV cases, and expanded its guidelines in July 2022 to cover eligible HIV-positive applicants . The main limitation is that Pacific…","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"}}