{"citations":{"source_mix":{"company_owned":23,"independent":32,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":47,"partial":9},"total_sources":56,"unique_domain_count":24},"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","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"No-Exam Life Insurance After Being Declined","subject":"Mutual of Omaha","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Mutual of Omaha","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-22","platform_support":["deepseek","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Mutual of Omaha","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-22","platform_support":["anthropic","grok"],"predicate":"fit_rating_count","qualifier":"good","subject":"Mutual of Omaha","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-22","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Mutual of Omaha","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.2857142857142858,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Mutual of Omaha","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/health-conditions-and-high-risk-life-insurance/no-exam-life-insurance-after-being-declined/mutual-of-omaha.json","page_url":"https://lifeinsuranceconsensusindex.com/health-conditions-and-high-risk-life-insurance/no-exam-life-insurance-after-being-declined/mutual-of-omaha","report_type":"fit_review","study_id":"LICI-STUDY-61AFD8F528D7","title":"Mutual of Omaha 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.","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 12:30:34.56205+00","research_date":"2026-09-22","source_snapshot_sha256":"62e2aa20edc4b619a0419505eb975667cf875d4e089eb48de396e92abe821161","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Mutual of Omaha is a mixed-to-good fit for No-Exam Life Insurance After Being Declined. All 7 platforms named it in the ranking stage, and it finished first overall with an average listed rank of 1.29. Its strongest asset is Guaranteed Whole Life, a true guaranteed-issue policy with no health questions, no exam, and no MIB pull for ages 45–85 (, , kimi:insurancegeek-1). The main limitation is that this product caps at roughly $25,000, carries a two-year graded death benefit for natural-cause deaths, and costs more per dollar than underwritten coverage (, kimi:money-1). Simplified-issue…","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"}}