{"citations":{"source_mix":{"company_owned":18,"independent":13,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":21,"partial":10},"total_sources":31,"unique_domain_count":17},"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 No-Exam Life Insurance After Being Declined","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"No-Exam Life Insurance After Being Declined","subject":"AARP Level Benefit Term Life by New York Life","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"AARP Level Benefit Term Life by New York Life","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"AARP Level Benefit Term Life by New York Life","unit":"platforms","value":7}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"AARP Level Benefit Term Life by New York Life","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/no-exam-life-insurance-after-being-declined/aarp-level-benefit-term-life-by-new-york-life.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/no-exam-life-insurance-after-being-declined/aarp-level-benefit-term-life-by-new-york-life","report_type":"fit_review","study_id":"LICI-STUDY-83D9521B3D60","title":"AARP Level Benefit Term Life by New York Life for No-Exam Life Insurance After Being Declined: 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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","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 12:27:24.620298+00","research_date":"2026-09-22","source_snapshot_sha256":"e9da57068faa8bf6b79894332ace9d187186a6148a2d05fb9888b527b8aa47c6","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"AARP Level Benefit Term Life by New York Life is a mixed fit for No-Exam Life Insurance After Being Declined. Four of seven platforms named it during ranking discovery (57% of included platform responses), at an average listed rank of 4.0 and a best rank of 2. Its strongest advantage is a genuine no-medical-exam path with simplified-issue underwriting and term coverage up to $150,000. The main limitation is that it is not guaranteed issue: it still asks health questions, so a prior decline can repeat. All seven platforms rated overall fit \"mixed.\" Buyers who cannot clear health questions…","target_buyer":"A consumer was previously declined for traditionally underwritten life insurance and now wants to explore coverage that may not require a traditional medical exam.","topic":{"base_category":"Health Conditions & High-Risk Life Insurance","category_criteria":["They understand that no-exam does not necessarily mean no underwriting and that simplified-issue or guaranteed-issue options may involve lower coverage limits","higher premiums","health questions","or waiting periods."],"geography":"United States","slug":"best-no-exam-life-insurance-after-being-declined","title":"Best No-Exam Life Insurance After Being Declined","use_case":"No-Exam Life Insurance After Being Declined"}}