{"citations":{"source_mix":{"company_owned":19,"independent":17,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":27,"partial":8},"total_sources":36,"unique_domain_count":19},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best No-Medical-Exam Whole Life Insurance","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"No-Medical-Exam Whole Life Insurance","subject":"AARP / New York Life","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"AARP / New York Life","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"AARP / New York Life","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","grok"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"AARP / New York Life","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.25,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"AARP / New York Life","platform_mentions":4,"platform_share":0.6666666666666666}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/whole-life-insurance/no-medical-exam-whole-life-insurance/aarp-new-york-life.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/no-medical-exam-whole-life-insurance/aarp-new-york-life","report_type":"fit_review","study_id":"LICI-STUDY-AF8A64E72BD6","title":"AARP / New York Life for No-Medical-Exam Whole Life Insurance: 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":6,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["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":"2026-09-20 21:05:09.770796+00","research_date":"2026-09-20","source_snapshot_sha256":"301a697861a7813c115d5b251d5e438b5b7777ea5d7a7cf449d23dce4cac3262","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":25,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"AARP / New York Life is a good fit for a narrow version of this use case: an AARP-eligible applicant who wants permanent coverage without a medical exam or health questions and mainly needs final-expense protection. Four of six platforms named it during the ranking stage (deepseek, grok, kimi, perplexity), a 66.7% share, with an average listed rank of 5.25 and a best rank of 2. The strongest reason to consider it is guaranteed acceptance with no exam or health questions, backed by New York Life's financial strength . The main limitation is a modest coverage ceiling — publicly listed as…","target_buyer":"A consumer wants permanent whole life insurance but strongly prefers not to complete a traditional paramedical examination involving blood or urine testing.","topic":{"base_category":"Whole Life Insurance","category_criteria":["They are willing to answer health questions and permit electronic underwriting where required. They want meaningful permanent coverage","a financially established carrier","competitive pricing for this underwriting approach","and clear guaranteed policy values."],"geography":"United States","slug":"best-no-medical-exam-whole-life-insurance","title":"Best No-Medical-Exam Whole Life Insurance","use_case":"No-Medical-Exam Whole Life Insurance"}}