{"citations":{"source_mix":{"company_owned":16,"independent":32,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":21,"partial":7},"total_sources":49,"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 Type 1 Diabetes","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Life Insurance for Type 1 Diabetes","subject":"Banner Life","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Banner Life","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Banner Life","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","deepseek","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Banner Life","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.6666666666666667,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Banner 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-type-1-diabetes/banner-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/life-insurance-for-type-1-diabetes/banner-life","report_type":"fit_review","study_id":"LICI-STUDY-40C904BEEB56","title":"Banner Life for Life Insurance for Type 1 Diabetes: 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":"2026-09-23 07:00:53.449728+00","research_date":"2026-09-22","source_snapshot_sha256":"8cb6995f03ec0946d8f7d3941f443deae5935e8a7fbb2b232f27ac827c776a96","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Banner Life is a mixed-to-good fit for an adult with reasonably stable Type 1 diabetes who wants fully underwritten term coverage, but it is not a demonstrated diabetes-specialist carrier. Six of seven platforms named Banner Life during ranking discovery, and it finished second overall with an average listed rank of 1.67 and a best rank of 1. Its strongest draw is the OPTerm term series: level premiums for 10 to 40 years, renewal and conversion features, and a table-rating structure that some sources say starts from Standard Plus rates. The main limitation is that no public source verifies a…","target_buyer":"An adult with Type 1 diabetes wants life insurance and is otherwise in reasonably stable health.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They understand that underwriting may consider age at diagnosis","A1C and glucose control","insulin use","complications","medical follow-up","blood pressure","kidney health","and other factors."],"geography":"United States","slug":"best-life-insurance-for-type-1-diabetes","title":"Best Life Insurance for Type 1 Diabetes","use_case":"Life Insurance for Type 1 Diabetes"}}