{"citations":{"source_mix":{"company_owned":14,"independent":31,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":24,"partial":4},"total_sources":45,"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 Sleep Apnea","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Sleep Apnea","subject":"Transamerica","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Transamerica","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Transamerica","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Transamerica","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.75,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Transamerica","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/life-insurance-for-sleep-apnea/transamerica.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-sleep-apnea/transamerica","report_type":"fit_review","study_id":"LICI-STUDY-8DA38326D6D8","title":"Transamerica for Life Insurance for Sleep Apnea: 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.","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 06:47:57.447384+00","research_date":"2026-09-22","source_snapshot_sha256":"4c73fa9e3122faf02f0f8e3983e8bf7bda36671c174695d44fb8a368b059661c","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":14,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Transamerica is a good — but not automatically best — fit for a U.S. consumer with sleep apnea seeking term life insurance. Four of seven platforms named Transamerica during the ranking stage (57% of included platform responses), with an average listed rank of 6.75 and a best listed rank of 2. The strongest reason to consider it: Transamerica's published underwriting guide explicitly addresses sleep apnea, listing potential outcomes from Standard for mild cases to Table 2-to-decline for severe cases . The main limitation: approval, rate class, exam requirements, and final pricing remain…","target_buyer":"A consumer diagnosed with sleep apnea wants life insurance.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They understand that underwriting may consider severity","sleep-study results","CPAP or other treatment compliance","symptoms","weight","cardiovascular health","and whether the condition appears well controlled."],"geography":"United States","slug":"best-life-insurance-for-sleep-apnea","title":"Best Life Insurance for Sleep Apnea","use_case":"Life Insurance for Sleep Apnea"}}