{"citations":{"source_mix":{"company_owned":22,"independent":25,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":24,"partial":3},"total_sources":47,"unique_domain_count":27},"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 With Heart Disease","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for People With Heart Disease","subject":"Banner Life","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Banner Life","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Banner Life","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Banner Life","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.6,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Banner Life","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-people-with-heart-disease/banner-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-people-with-heart-disease/banner-life","report_type":"fit_review","study_id":"LICI-STUDY-344F02775719","title":"Banner Life for Life Insurance for People With Heart Disease: 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 04:54:42.445337+00","research_date":"2026-09-22","source_snapshot_sha256":"b4cb309b9f35a19df600e5f900b3f66ee992cffbeb65f396eb8603bc971f3cbe","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Banner Life is a mixed-to-good fit for Life Insurance for People With Heart Disease, depending on how stable and well documented the cardiac history is. Five of seven platforms named Banner Life during the ranking stage, and it finished with an average listed rank of 4.6 and a best rank of 4. The strongest reason to consider it is its Standard Plus table-rating baseline, which independent reviewers say can lower the absolute cost of a substandard cardiac rating. The main limitation is that Banner Life's own accelerated-underwriting eligibility document excludes heart attack, heart disease,…","target_buyer":"A consumer with a history of heart disease wants life insurance.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They understand that eligibility and pricing may depend on the specific diagnosis","severity","cardiac testing","treatment","medications","symptoms","other risk factors","and overall stability."],"geography":"United States","slug":"best-life-insurance-for-people-with-heart-disease","title":"Best Life Insurance for People With Heart Disease","use_case":"Life Insurance for People With Heart Disease"}}