{"citations":{"source_mix":{"company_owned":9,"independent":26,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":28,"partial":10},"total_sources":38,"unique_domain_count":29},"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","google","kimi"],"predicate":"final_consensus_rank","qualifier":"No-Exam Life Insurance After Being Declined","subject":"AIG","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","google","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"AIG","unit":"platforms","value":3},{"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":"good","subject":"AIG","unit":"platforms","value":7}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.333333333333333,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"AIG","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/no-exam-life-insurance-after-being-declined/aig.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/no-exam-life-insurance-after-being-declined/aig","report_type":"fit_review","study_id":"LICI-STUDY-7E7357198400","title":"AIG 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.","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 12:34:22.99805+00","research_date":"2026-09-22","source_snapshot_sha256":"4432ff2fd298ff396a21b79c0dcdddc93ca9be7d570e18c96bdffd70542cc388","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"AIG is a good fit for a consumer previously declined for traditionally underwritten life insurance who is age 50–80 and needs modest final-expense coverage. Three of seven platforms named AIG during the ranking stage (anthropic, google, kimi), and all seven that evaluated it rated the fit \"good.\" The strongest reason to consider it is Guaranteed Issue Whole Life (GIWL), which requires no medical exam and no health questions and cannot decline an eligible applicant for health reasons . The main limitation is that GIWL caps coverage at $25,000, grades natural-death benefits during the first…","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"}}