{"citations":{"source_mix":{"company_owned":16,"independent":30,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":39,"partial":7},"total_sources":47,"unique_domain_count":27},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Simplified-Issue Whole Life Insurance","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Simplified-Issue Whole Life Insurance","subject":"New York Life","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"New York Life","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"New York Life","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"New York Life","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"New York Life","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":"New York Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.5,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"New York Life","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/whole-life-insurance/simplified-issue-whole-life-insurance/new-york-life.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/simplified-issue-whole-life-insurance/new-york-life","report_type":"fit_review","study_id":"LICI-STUDY-F4D7B5FB2CE6","title":"New York Life 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.","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":"2026-09-21 17:20:09.052785+00","research_date":"2026-09-20","source_snapshot_sha256":"42dd1f9aec374b3fb94c48cbfa6d85ee32c3a421493510f8dcf52ac7aa4a3985","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":29,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"New York Life is a qualified but conditional fit for Simplified-Issue Whole Life Insurance. Four of seven platforms named it during ranking discovery, and it finished third overall with an average listed rank of 5.5 and a best rank of 2. The strongest reason to consider it is the AARP Permanent Life program underwritten by New York Life, which offers permanent coverage up to $100,000, no traditional medical exam, health-question underwriting, and guaranteed level rates . The main limitation is access: AARP membership is required, coverage caps are modest, and public sources do not clearly…","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"}}