{"citations":{"source_mix":{"company_owned":10,"independent":16,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":13,"partial":9},"total_sources":26,"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 Simplified-Issue Whole Life Insurance","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Simplified-Issue Whole Life Insurance","subject":"Aetna","unit":"rank","value":9},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Aetna","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Aetna","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Aetna","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Aetna","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Aetna","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.5,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":9,"name":"Aetna","platform_mentions":2,"platform_share":0.3333333333333333}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/whole-life-insurance/simplified-issue-whole-life-insurance/aetna.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/simplified-issue-whole-life-insurance/aetna","report_type":"fit_review","study_id":"LICI-STUDY-240A6B2B645C","title":"Aetna for Simplified-Issue 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.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","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 21:29:34.591022+00","research_date":"2026-09-20","source_snapshot_sha256":"2bbf285d4341b5d8057f9f56c2c1a19b713a399267c48a06be9679a3ea05f1e8","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Aetna is a good, but not clearly best, fit for Simplified-Issue Whole Life Insurance. Two of six platforms named Aetna during the ranking stage, and fit ratings ranged from strong to uncertain across the six platforms that evaluated it. The strongest reason to consider Aetna is its Accendo-issued Final Expense policy: permanent whole life coverage with no medical exam, level and modified benefit options, and an independently reported A (Excellent) AM Best rating for Accendo . The main limitation is transparency: current premiums, the complete health questionnaire, maximum face amounts, and…","target_buyer":"A consumer wants whole life insurance through a simplified underwriting process involving a limited health questionnaire and no traditional medical examination.","topic":{"base_category":"Whole Life Insurance","category_criteria":["They do not specifically require guaranteed-issue coverage and are willing to answer health questions to potentially obtain better pricing or benefits. They want permanent coverage","clear guarantees","a reputable carrier","and reasonable eligibility requirements."],"geography":"United States","slug":"best-simplified-issue-whole-life-insurance","title":"Best Simplified-Issue Whole Life Insurance","use_case":"Simplified-Issue Whole Life Insurance"}}