Life Insurance
Consensus Index

AI Consensus Fit Review

Royal Neighbors of America Final Expense Insurance With No Waiting Period Fit Review

Royal Neighbors of America is a conditional fit for Final Expense Insurance With No Waiting Period.

Research: 2026-09-217 usable platform responsesRead the methodology ↗

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Answer Capsule

Royal Neighbors of America is a conditional fit for Final Expense Insurance With No Waiting Period. Four of seven platforms named it during the ranking stage (57.1% of included platform responses), with an average listed rank of 5.5 and a best rank of 4. The strongest reason to consider it: the Ensured Legacy Simplified Issue Whole Life (SIWL) Level/Standard tier is described by multiple platforms as paying full natural-death benefits from day one for applicants who pass simplified underwriting [1]. The main limitation: the public consumer page does not expressly guarantee day-one natural-death coverage for every SIWL applicant, and applicants who fail underwriting are routed to graded or guaranteed-issue tiers with waiting periods [4].

Research Snapshot

FieldFinding
Platform mentions in ranking stage4 of 7 platforms (anthropic, deepseek, google, kimi)
Share of included platform responses57.1%
Average listed rank5.5
Best listed rank4 (google)
Relevant product/model/planEnsured Legacy Final Expense — Simplified Issue Whole Life (SIWL), Level/Standard tier
Overall use-case fitGood, but conditional on qualifying for the SIWL level tier
Research date2026-09-21

Why Royal Neighbors of America Qualified for This Study

Questions This Section Answers

  • Why did AI platforms recommend Royal Neighbors of America for final expense insurance with no waiting period?
  • Is Royal Neighbors of America a good choice for a buyer who needs full day-one natural-death coverage?

Royal Neighbors of America qualified because it offers a permanent final expense product with a simplified-underwriting path that platforms identified as the relevant route to full day-one natural-death coverage. Four of seven platforms named the carrier during ranking discovery: anthropic (rank 7), deepseek (rank 6), google (rank 4), and kimi (rank 5). The remaining three platforms evaluated fit but did not name the entity in the ranking stage.

The qualifying product is Ensured Legacy Final Expense, which Royal Neighbors describes as permanent life insurance with coverage selectable from $5,000 to $40,000 and three underwriting paths: Simplified Issue Whole Life, Graded Death Benefit, and Guaranteed Issue [7]. For this buyer, only the SIWL/Level or Standard tier is material, because the graded and guaranteed-issue paths carry waiting periods [10].

Platforms also cited the carrier's fraternal benefit society structure and financial-strength reporting. Royal Neighbors' own site reports an A (Excellent) AM Best rating dated December 11, 2025 [12]. One independent review reports an A- rating maintained for five years [14]. These ratings are company-reported or third-party-reported and should be re-checked against the current AM Best listing before purchase.

The Product, Model, Plan, or Service Most Relevant to Final Expense Insurance With No Waiting Period

Questions This Section Answers

  • Which Royal Neighbors of America plan should a buyer choose if they need full natural-death coverage from day one?
  • Does Royal Neighbors of America's Ensured Legacy SIWL plan actually pay full benefits with no waiting period?

The relevant plan is Ensured Legacy Final Expense, Simplified Issue Whole Life (SIWL), Level or Standard benefit tier. Platforms used slightly different labels — "Level Tier / SIWL-Standard," "Level Benefit Final Expense Insurance," and "Simplified Issue Whole Life (SIWL)" — but all seven platform outputs converge on the same product family and the same tier logic [16].

Ensured Legacy is structured as permanent whole life insurance with level premiums and cash value accumulation [23]. Coverage is selectable from $5,000 to $40,000, with the available range dependent on the applicant's qualification path [16]. Issue ages are generally 50 to 85 [26].

The SIWL tier is the only tier that matches this buyer's requirement. Independent reviews describe the SIWL path as paying the full death benefit from day one with no waiting period [29]. One platform (openai) flagged that the official consumer page identifies SIWL separately from graded and guaranteed-issue coverage but does not expressly define the SIWL tier's natural-death claim treatment during the first policy years [16]. An independent agent-resource source reports an immediate death benefit for the Standard plan, but that statement is not an official policy form and may not apply in every state [35].

What the AI Platforms Agreed About

Questions This Section Answers

  • What do AI platforms agree on about Royal Neighbors of America for no-waiting-period final expense coverage?
  • Is the Royal Neighbors of America SIWL tier widely described as offering day-one coverage?

Agreement was strong but not unanimous across the seven platform outputs. The clearest points of consensus:

A level/no-waiting-period tier exists. All seven platforms described Royal Neighbors as offering a simplified-issue whole life product with a level benefit option that provides full coverage from issue for applicants who qualify [36].

Qualification is not automatic. Every platform that addressed underwriting stated that placement in the level tier depends on answering health questions and passing simplified underwriting, and that applicants who do not qualify are routed to graded or guaranteed-issue tiers with waiting periods [43].

The product is permanent whole life. Platforms consistently described Ensured Legacy as permanent whole life insurance with level premiums, not term or pre-need funeral coverage [47].

Coverage tops out at $40,000. Multiple platforms cited a $5,000–$40,000 range [36]. One independent source cited $7,000–$50,000, which conflicts with the majority [54].

State availability is limited. Royal Neighbors is not licensed in Alabama, Alaska, Hawaii, Louisiana, Massachusetts, New Hampshire, or New York [55].

Where the AI Platforms Disagreed or Were Uncertain

Questions This Section Answers

  • What is uncertain about Royal Neighbors of America's day-one coverage for final expense insurance with no waiting period?
  • Do AI platforms disagree about Royal Neighbors of America's coverage limits or pricing?

Several material conflicts and gaps appeared across platform outputs.

Day-one coverage documentation. OpenAI stated that the official consumer page does not expressly guarantee full natural-death coverage from the first day for every SIWL/Standard applicant, and that the independent agent-resource claim of an immediate death benefit requires verification against the issued certificate [58]. Other platforms treated day-one coverage as established for the SIWL tier [60]. This is a documentation gap, not necessarily a product gap.

Coverage limits. Most platforms cited $5,000–$40,000 [58]. One independent source cited $7,000–$50,000 [66]. Another cited $5,000–$25,000 for older products, with up to $40,000 in newer updates [67]. Perplexity noted third-party sources citing $25,000, $40,000, and $50,000 caps [68]. The exact limit may vary by state, version, or source.

Pricing. No platform located a verified public premium schedule. OpenAI, anthropic, deepseek, grok, perplexity, and kimi all reported low pricing confidence [58]. Google reported moderate confidence and cited a $4.35 monthly certificate fee from an independent review [73]. One third-party agent profile reported a $36 annual policy fee, which was not independently verified on the carrier site [71].

Underwriting restrictiveness. Anthropic reported that underwriting guidelines for level coverage have become more restrictive in recent years, and that many seniors with diabetic neuropathy or respiratory issues may be disqualified from SIWL and forced into the graded plan [74]. Google reported the opposite direction, describing highly lenient underwriting for diabetes, neuropathy, and high BMI [78]. This is a direct conflict between platform outputs.

Customer service. Anthropic cited independent reviewer reports of long hold times and administrative delays, which were not acknowledged on the official company website [74]. No other platform raised this.

Official-site retrieval. Deepseek and kimi both reported that official-site retrieval failed, leaving product identity, pricing, and state availability unverified against first-party sources [80]. The deterministic audit confirms the official homepage returned HTTP 403 and was not checked.

Use-Case-Specific Features and Capabilities

Questions This Section Answers

  • What features does Royal Neighbors of America's Ensured Legacy SIWL plan offer for a buyer who wants no waiting period?
  • Does Royal Neighbors of America require a medical exam for its no-waiting-period final expense plan?

The features most relevant to this use case:

Simplified underwriting without a medical exam. Eligibility for the level tier is determined through health questions, prescription history, MIB review, and build chart analysis, with no medical exam required [82]. One independent source states no phone interview is required for underwriting [82], while another describes a phone interview that concludes with an underwriting decision [85].

Fast underwriting decisions. Platforms reported same-day or instant underwriting decisions via phone or electronic application, with immediate policy issuance upon approval [85].

Permanent whole life structure. The policy builds guaranteed cash value over time and maintains level premiums throughout the insured's life [88].

Riders. Published features include an accelerated-death-benefit rider for qualifying terminal illness or nursing-home confinement, an optional accidental-death benefit rider, a charitable giving rider, and a grandchild rider [91]. The accelerated-benefit rider is not available on guaranteed-issue coverage and requires at least $7,000 of face amount [91]. The charitable giving rider pays 1% of the face amount (up to $1,000) to an owner-selected charity at no extra premium [93].

Accidental death coverage during the graded period. For graded policies, accidental death pays the full benefit during the first two years, with an exception in Arkansas [95]. This does not satisfy the natural-death requirement but is relevant context.

Fraternal member benefits. Royal Neighbors is a not-for-profit fraternal benefit society that reinvests surplus funds into member programs [97]. Members may access discounts on dental, vision, prescriptions, labs, and legal services [99].

Pricing, Fees, Contracts, and Ongoing Costs

Questions This Section Answers

  • How much does Royal Neighbors of America cost per month for final expense insurance with no waiting period?
  • Are there setup, certificate, or cancellation fees with Royal Neighbors of America's Ensured Legacy plan?

No verified public premium schedule was located by any platform. Pricing confidence was low across six of seven platform outputs [100]. Google reported moderate confidence [106].

Premiums are expected to depend on age, sex, state, face amount, health answers, underwriting tier, and payment mode [100]. One platform cited an example-only figure of approximately $47–$63 monthly for a 65-year-old non-smoker, subject to underwriting [101]. Another cited a $4.35 monthly certificate fee built into Level Standard tier rates [106]. A third-party agent profile reported a $36 annual policy fee, which was not independently verified on the carrier site [104].

Known cost-related items:

  • Optional riders may add premium; the grandchild and accidental-death riders require additional premium [100].
  • The accelerated-death and charitable riders are described as available without additional premium, subject to eligibility and rider terms [100].
  • Policy loans are available at 7.4% annual interest, compounded annually, and any loan balance reduces the death benefit at claim [101].
  • No separate application, policy, or administrative fee was verified from reviewed public sources [100].
  • A 30-day free-look period is reported by one independent review [109].

Contract terms: coverage remains subject to payment of premiums and the issued certificate's provisions, and state-specific contractual provisions may vary [100]. The product is not a funeral or burial contract, and proceeds are payable to beneficiaries rather than directly guaranteeing funeral services [100].

Best Suited For

Questions This Section Answers

  • Who is Royal Neighbors of America best suited for among buyers seeking no-waiting-period final expense coverage?
  • Is Royal Neighbors of America a good fit for a buyer with diabetes who wants day-one coverage?

Royal Neighbors is best suited for applicants who can answer "no" to all health questions and qualify for the SIWL level tier. Independent sources state that eligibility for level-benefit coverage requires answering "no" to all health questions on the application [111].

Specific buyer profiles that platforms identified as well-matched:

  • Applicants seeking permanent whole life coverage of approximately $5,000–$40,000 [114].
  • Applicants willing to complete simplified underwriting rather than use guaranteed issue [116].
  • Seniors aged 50–85 who want quick underwriting decisions without medical exams [115].
  • Applicants with diabetes, high BMI, or a history of TIA who may still qualify for level coverage [119]. Note: anthropic reported that many applicants with diabetic neuropathy or respiratory issues may be disqualified from SIWL and forced into the graded plan, which conflicts with google's more lenient characterization [123].
  • Consumers who value fraternal membership benefits [125].

Probably Not Best Suited For

Questions This Section Answers

  • Who should not choose Royal Neighbors of America for final expense insurance with no waiting period?
  • Is Royal Neighbors of America a poor fit for a buyer with serious health conditions?

Royal Neighbors is probably not the best fit for:

  • Applicants who cannot qualify for the SIWL level tier and require guaranteed day-one natural-death coverage [127].
  • Applicants with specific serious conditions that result in automatic decline from SIWL: oxygen tanks, AIDS/HIV, organ transplants, diabetic amputation, coma, and dementia/Alzheimer's [129].
  • Applicants needing coverage above $40,000 [127].
  • Applicants in states where the product is unavailable: Alabama, Alaska, Hawaii, Louisiana, Massachusetts, New Hampshire, or New York [131].
  • Buyers who need guaranteed acceptance with no health questions [133].
  • Buyers who cannot tolerate reported customer service delays [128].

When Another Option May Be Better

Questions This Section Answers

  • What is a better alternative to Royal Neighbors of America for a buyer who cannot qualify for the SIWL level tier?
  • When should a buyer choose a different carrier over Royal Neighbors of America for no-waiting-period coverage?

Another option may be better in these situations:

If the applicant cannot qualify for SIWL. Other carriers may offer immediate, full coverage for the same applicant profile [135]. A broker comparison is better when the buyer has a borderline health profile and wants competing SIWL underwriting decisions and premiums before selecting a carrier [137].

If the buyer needs coverage above $40,000. Larger death benefits are available through other final expense or whole life carriers [137].

If the buyer prioritizes published pricing. One platform noted that Mutual of Omaha Living Promise Level, AIG/Corebridge SIWL Direct, and Aetna/Accendo Final Expense Level have published 2026 rates for direct comparison [139]. Royal Neighbors' rates were described by one independent source as "middle-of-the-road" and may not be the cheapest option [135].

If the buyer needs guaranteed acceptance. A guaranteed-issue product with a two-year waiting period would be necessary for those who cannot qualify for simplified underwriting [140].

If the buyer needs a funeral pre-need contract. A different product may be better when the buyer needs a funeral pre-need contract rather than beneficiary-paid life insurance [137].

If the buyer resides in an excluded state. Royal Neighbors is not licensed in AL, AK, HI, LA, MA, NH, or NY [142].

Questions to Verify Before Buying

Questions This Section Answers

  • What should a buyer confirm with Royal Neighbors of America before signing a final expense contract?
  • How can a buyer verify that the Royal Neighbors of America policy actually has no waiting period?

Before purchasing, confirm these items in writing:

  1. Is the offered certificate Form Series 211311, the Simplified Issue Whole Life form, rather than Form Series 211312 or 221309? [144]
  2. Does the certificate pay 100% of the face amount for death from any natural cause beginning on the effective date, subject only to the policy's standard contestability and suicide provisions? [144]
  3. Will the application be classified as Level/Standard, or could it be issued as graded or guaranteed issue after underwriting review? [144]
  4. What exact health questions, prescription checks, medical-record checks, or phone interviews are required? [144]
  5. What are the monthly, quarterly, semiannual, and annual premiums for the requested face amount, and are premiums guaranteed not to increase? [144]
  6. What are the policy's cash value, surrender, loan, lapse, reinstatement, and nonforfeiture provisions? [144]
  7. Is the product available in the buyer's state, and which state-approved form and riders apply? [144]
  8. Are any rider premiums, payment-mode charges, policy fees, or other charges included? [144]
  9. What exclusions, suicide provisions, contestability provisions, or accidental-death limitations apply? [144]
  10. Can the agent provide the complete certificate, state-specific outline of coverage, underwriting decision, and signed illustration before payment? [144]

Final AI Consensus Verdict

Royal Neighbors of America is a good fit for Final Expense Insurance With No Waiting Period, but only conditionally. The Ensured Legacy SIWL/Level or Standard tier appears aligned with a buyer seeking permanent final-expense insurance and willing to undergo simplified underwriting. Four of seven platforms named the carrier during ranking discovery, and all seven platform outputs converged on the same product family and tier logic.

The decisive condition is underwriting placement. If the written offer confirms a full natural-death benefit from the effective date, Royal Neighbors is a strong candidate. If the applicant is placed in graded or guaranteed issue, or if the carrier cannot document day-one natural-death coverage in the state-specific certificate, it is not a fit for this narrowly defined use case [150].

Platform agreement does not prove product quality. The consensus reflects how AI systems characterized the product from available sources, not independent verification of policy performance. Buyers should obtain a personalized underwriting determination, a complete certificate, and a signed illustration before purchasing.

How This Review Was Produced

This review synthesizes fit-research responses from seven AI platforms: OpenAI (gpt-5.6-luna), Anthropic (claude-haiku-4-5-20251001), DeepSeek (deepseek-v4-flash), Google (gemini-3.5-flash), Grok (x-ai/grok-4.3), Kimi (moonshotai/kimi-k2.6), and Perplexity (perplexity/sonar). Each platform evaluated Royal Neighbors of America against the use case of permanent final expense insurance with full natural-death coverage from policy issue, for a buyer willing to answer health questions and complete simplified underwriting.

The ranking stage counted platforms that named the entity during discovery. The fit-research stage collected product identification, use-case findings, pricing and terms, limitations, and verification questions from each platform. Citations are platform-reported evidence, not independently verified facts. The deterministic evidence audit confirms the official Royal Neighbors homepage returned HTTP 403 and was not checked; one platform (deepseek) reported official-site retrieval failure, and another (kimi) reported the same.

Methodology Limitations

  • Platform-reported research dates differ from the authoritative run date of 2026-09-21. Anthropic, Google, Grok, Kimi, OpenAI, and Perplexity reported 2026-09-23; DeepSeek reported 2026-06-01. These dates are provenance metadata and do not independently prove freshness.
  • All seven platforms evaluated fit, but platform_mentions counts only platforms that named the entity during ranking discovery.
  • Conflicting product names, pricing, and capabilities were not resolved by guessing. Buyers should verify all specifics directly with the carrier.
  • The supplied URLs were collected from platform responses and were not independently validated by the writer stage.
  • Citations are platform-reported evidence, not independently verified facts. No-search model claims require explicit verification before being described as current facts. DeepSeek operated with search disabled.
  • Official-site retrieval failed for one or more mentions; no failed fetch was used as a verified domain key.
  • The deterministic identity audit used exact-name fallback; the matching reported domain was retained for downstream research but remains unverified.
  • Platform agreement on a product's features does not constitute independent verification of product quality or performance.
From the index

Compare the adjacent findings before forming a view.

Sources

Company-Owned Sources

  • Royal Neighbors Ensured Legacy Final Expense Product Profile: https://a7d9021b860b18c4222a-d761a6fa6590560fc9f9e4d318d2556e.ssl.cf1.rackcdn.com/Royal-Neighbors-final-expense-NEW-Highlights-65ae8bdea3425.pdf
  • RAPIDecision® Final Expense Insurance | Fidelity Life: https://fidelitylife.com/life-insurance/final-expense-insurance/rapidecision-final-expense-insurance/
  • Royal Neighbors of America: https://royalneighbors.org/
  • Insurance - Royal Neighbors of America: https://www.royalneighbors.org/insurance/
  • Ensured Legacy Final Expense - Royal Neighbors of America: https://www.royalneighbors.org/insurance/ensured-legacy-final-expense/
  • Royal Neighbors Launches New Final Expense Product Catering to the Uninsured and Those Facing Coverage Challenges: https://www.royalneighbors.org/news-releases/royal-neighbors-launches-new-final-expense-product-catering-to-the-uninsured/
  • Insurance - Royal Neighbors of America: https://www.royalneighbors.org/products
  • Client Brochure The Coverage You Need Ensured Legacy Final Expense Insurance: https://www.royalneighbors.org/wp-content/uploads/2025/09/2996-1-cf_ensured_legacy_final_expense_consumer_co-brand_2024-02-28_final_web_r.pdf
  • Guaranteed Issue Final Expense Life Insurance - State Farm®: https://www.statefarm.com/insurance/life/whole-life/guaranteed-issue-life-insurance
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Independent Sources

Other Sources

  • Royal Neighbors Consumer Guide: https://insurancy.com/wp-content/uploads/Royal_Neighbors_final_expense_Consumer-Guide.pdf
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    24. AI research evidence record anthropic:citation_21_3
    25. AI research evidence record google:2.1.2
    26. AI research evidence record anthropic:citation_13_4
    27. AI research evidence record grok:3
    28. AI research evidence record google:2.1.7
    29. AI research evidence record anthropic:citation_7_1
    30. AI research evidence record anthropic:citation_25_2
    31. AI research evidence record anthropic:citation_25_5
    32. AI research evidence record grok:1
    33. AI research evidence record perplexity:c4
    34. AI research evidence record google:2.1.5
    35. AI research evidence record openai:c3
    36. AI research evidence record openai:c1
    37. AI research evidence record anthropic:citation_7_1
    38. AI research evidence record deepseek:c1
    39. AI research evidence record grok:1
    40. AI research evidence record perplexity:c4
    41. AI research evidence record google:2.1.3
    42. AI research evidence record kimi:asurgo-2026
    43. AI research evidence record openai:c2
    44. AI research evidence record anthropic:citation_14_1
    45. AI research evidence record deepseek:c2
    46. AI research evidence record google:1.2.1
    47. AI research evidence record anthropic:citation_6_9
    48. AI research evidence record anthropic:citation_21_3
    49. AI research evidence record perplexity:c8
    50. AI research evidence record google:2.1.2
    51. AI research evidence record anthropic:citation_13_4
    52. AI research evidence record grok:0
    53. AI research evidence record google:1.4.1
    54. AI research evidence record anthropic:citation_16_2
    55. AI research evidence record anthropic:citation_2_1
    56. AI research evidence record google:1.3.8
    57. AI research evidence record google:2.2.1
    58. AI research evidence record openai:c1
    59. AI research evidence record openai:c3
    60. AI research evidence record grok:1
    61. AI research evidence record anthropic:citation_25_5
    62. AI research evidence record google:2.1.5
    63. AI research evidence record anthropic:citation_13_4
    64. AI research evidence record grok:0
    65. AI research evidence record google:1.4.1
    66. AI research evidence record anthropic:citation_16_2
    67. AI research evidence record google:1.3.5
    68. AI research evidence record perplexity:c1
    69. AI research evidence record anthropic:citation_4_2
    70. AI research evidence record deepseek:c1
    71. AI research evidence record perplexity:c6
    72. AI research evidence record kimi:choicemutual-2026
    73. AI research evidence record google:2.1.6
    74. AI research evidence record anthropic:citation_6_2
    75. AI research evidence record anthropic:citation_6_3
    76. AI research evidence record anthropic:citation_35_1
    77. AI research evidence record anthropic:citation_35_2
    78. AI research evidence record google:1.1.3
    79. AI research evidence record google:1.3.9
    80. AI research evidence record deepseek:c4
    81. AI research evidence record kimi:asurgo-2026
    82. AI research evidence record anthropic:citation_4_5
    83. AI research evidence record anthropic:citation_4_6
    84. AI research evidence record google:1.2.1
    85. AI research evidence record anthropic:citation_24_3
    86. AI research evidence record anthropic:citation_24_4
    87. AI research evidence record anthropic:citation_26_13
    88. AI research evidence record anthropic:citation_6_9
    89. AI research evidence record anthropic:citation_21_3
    90. AI research evidence record google:2.1.2
    91. AI research evidence record openai:c1
    92. AI research evidence record google:1.4.1
    93. AI research evidence record google:1.4.3
    94. AI research evidence record perplexity:c2
    95. AI research evidence record anthropic:citation_21_13
    96. AI research evidence record anthropic:citation_22_1
    97. AI research evidence record anthropic:citation_15_15
    98. AI research evidence record anthropic:citation_23_3
    99. AI research evidence record anthropic:citation_32_8
    100. AI research evidence record openai:c1
    101. AI research evidence record anthropic:citation_4_2
    102. AI research evidence record deepseek:c1
    103. AI research evidence record grok:1
    104. AI research evidence record perplexity:c6
    105. AI research evidence record kimi:choicemutual-2026
    106. AI research evidence record google:2.1.6
    107. AI research evidence record perplexity:c2
    108. AI research evidence record anthropic:citation_4_3
    109. AI research evidence record google:2.1.2
    110. AI research evidence record perplexity:c8
    111. AI research evidence record anthropic:citation_14_1
    112. AI research evidence record anthropic:citation_14_7
    113. AI research evidence record anthropic:citation_35_4
    114. AI research evidence record openai:c1
    115. AI research evidence record anthropic:citation_13_4
    116. AI research evidence record openai:c2
    117. AI research evidence record deepseek:c2
    118. AI research evidence record anthropic:citation_26_13
    119. AI research evidence record google:1.1.3
    120. AI research evidence record google:1.3.9
    121. AI research evidence record anthropic:citation_22_12
    122. AI research evidence record anthropic:citation_10_2
    123. AI research evidence record anthropic:citation_6_3
    124. AI research evidence record anthropic:citation_35_2
    125. AI research evidence record anthropic:citation_32_8
    126. AI research evidence record anthropic:citation_15_15
    127. AI research evidence record openai:c1
    128. AI research evidence record anthropic:citation_6_2
    129. AI research evidence record anthropic:citation_8_10
    130. AI research evidence record anthropic:citation_13_4
    131. AI research evidence record anthropic:citation_2_1
    132. AI research evidence record google:1.3.8
    133. AI research evidence record deepseek:c1
    134. AI research evidence record kimi:asurgo-2026
    135. AI research evidence record anthropic:citation_6_2
    136. AI research evidence record anthropic:citation_35_2
    137. AI research evidence record openai:c1
    138. AI research evidence record anthropic:citation_13_4
    139. AI research evidence record kimi:choicemutual-2026
    140. AI research evidence record kimi:statefarm-gi
    141. AI research evidence record kimi:choicemutual-gi
    142. AI research evidence record anthropic:citation_2_1
    143. AI research evidence record google:2.2.1
    144. AI research evidence record openai:c1
    145. AI research evidence record anthropic:citation_14_1
    146. AI research evidence record anthropic:citation_4_6
    147. AI research evidence record anthropic:citation_4_2
    148. AI research evidence record anthropic:citation_2_1
    149. AI research evidence record perplexity:c6
    150. AI research evidence record openai:c1
    151. AI research evidence record anthropic:citation_6_2
    152. AI research evidence record anthropic:citation_35_2

Verify this research

Check when the research was run, which platforms were included, and what supports the findings.

Study date
September 21, 2026
Platforms analyzed
7
Source records
45
Ranking mentions
4 of 7
Platform share
57%
Final consensus rank
#3

Behind the findings

Platforms in this study

  • ChatGPT
  • Claude
  • DeepSeek
  • Grok
  • Perplexity
  • Kimi
  • Gemini

Source records

35 independent · 9 company-owned · 1 unclear

Evidence support

31 direct · 12 partial

Keep in mind

Use the run research_date as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.

Technical verification details

Use this SHA-256 fingerprint to identify the source snapshot associated with this study.

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