Life Insurance
Consensus Index

AI Consensus Fit Review

Physicians Mutual Life Insurance Fit Review for COPD

Physicians Mutual is a good but narrowly targeted fit for a U.S.

Research: 2026-09-227 usable platform responsesRead the methodology ↗

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Answer Capsule

Physicians Mutual is a good but narrowly targeted fit for a U.S. consumer with COPD who mainly needs modest final-expense or legacy coverage and wants to avoid medical underwriting. Four of seven platforms named Physicians Mutual during the ranking stage, and its guaranteed-issue Modified Whole Life policy removes COPD from the acceptance decision for eligible ages. The strongest reason to consider it is guaranteed acceptance with no health questions or medical exam. The main limitation is that coverage is small, the first two years pay a graded benefit for non-accidental death, and Secure Essential is simplified issue rather than guaranteed issue, so COPD details can still affect issuance.

Research Snapshot

FieldFinding
Platform mentions in ranking stage4 of 7 platforms (anthropic, grok, kimi, openai)
Share of included platform responses57.1%
Average listed rank5.25
Best listed rank1 (openai)
Relevant product/model/planGuaranteed Issue Modified Whole Life Insurance; Secure Essential Life Insurance; related final-expense whole-life coverage
Overall use-case fitGood but narrowly targeted
Research date2026-09-22

Why Physicians Mutual Qualified for This Study

Questions This Section Answers

  • Is Physicians Mutual a good choice for Life Insurance for COPD?
  • Why did Physicians Mutual qualify for this COPD life insurance study if it ranked fifth on average?

Physicians Mutual qualified because four of the seven included platforms named it during ranking discovery, clearing the two-mention minimum, and because its guaranteed-issue product directly addresses the core COPD underwriting problem: applicants who cannot pass medical review. The platform fit ratings were not uniform. Grok and Kimi rated the fit "strong," while OpenAI, Anthropic, Google, and Perplexity rated it "good," and DeepSeek rated it "mixed" [1].

The entity's average listed rank was 5.25, with a best rank of 1 from OpenAI and a worst of 8 from Anthropic. That spread matters: Physicians Mutual is not a consensus top pick for every COPD buyer, but it is repeatedly named as a guaranteed-acceptance fallback when underwriting is the obstacle. Independent reviews describe it as the overall best guaranteed-acceptance insurer or a top-three guaranteed-issue carrier, while also recommending comparison with Great Western, Gerber Life, and other carriers before purchase [8].

This review evaluates Physicians Mutual only for the Life Insurance for COPD use case. It is not a broad company review, and it does not claim that platform agreement proves product quality.

The Product, Model, Plan, or Service Most Relevant to Life Insurance for COPD

Questions This Section Answers

  • Which Physicians Mutual plan should a COPD buyer choose if they cannot answer health questions?
  • How much coverage does Physicians Mutual's guaranteed-issue Modified Whole Life policy offer for a COPD applicant?
  • Is Physicians Mutual Secure Essential Life Insurance guaranteed issue for someone with COPD?

The most relevant product is Physicians Mutual's guaranteed-issue Modified Whole life insurance, a permanent final-expense policy with no health questions and no medical exam for eligible applicants [12]. Secure Essential Life Insurance is the secondary option: it has no medical exam or bloodwork, but issuance depends on health-question answers and electronic underwriting data, so it is simplified issue, not guaranteed issue [15].

For a COPD applicant, that distinction is the whole decision. Under the guaranteed-issue Modified Whole Life route, COPD severity, pulmonary-function testing, symptoms, medications, oxygen use, smoking history, and hospitalizations should not determine acceptance, subject to the policy's stated eligibility rules [12]. Under Secure Essential, COPD-related information can affect approval or the offer because the company states issuance depends on application answers and its launch materials describe electronic underwriting data including prescription history [15].

Coverage limits are the most conflicted part of the public record. OpenAI reports Modified Whole Life up to $30,000 [12]. Anthropic reports a typical maximum of $10,000–$20,000 depending on state, with some independent sources citing $3,000–$10,000 [20]. Grok reports $20,000–$30,000 [24]. Kimi and Google both report up to $30,000 [19]. Perplexity reports roughly $2,000–$30,000 depending on product and state [28]. The applicable state-specific policy illustration and contract should control.

Secure Essential lists whole-life coverage of $15,000–$100,000 with an optional term rider and a combined maximum of $250,000 on the product page, while the launch release describes different age-based limits, including up to $50,000 for ages 71–80 [15]. That internal conflict is unresolved in the supplied evidence.

What the AI Platforms Agreed About

Questions This Section Answers

  • Do all AI platforms agree that Physicians Mutual accepts COPD applicants without a medical exam?
  • What do AI reviews agree is the biggest drawback of Physicians Mutual for a COPD buyer?

The platforms agreed unanimously on the core mechanics of the guaranteed-issue product. All seven platform responses describe a no-medical-exam, no-health-question guaranteed-acceptance policy for eligible ages, and all seven describe a two-year graded or limited benefit period for non-accidental death [31].

The published Modified Whole Life disclosure states that non-accidental death during the first two years pays premiums plus 10%, while accidental death receives broader first-day treatment [32]. Independent reviews describe the same structure as a 24-month waiting period or graded death benefit [33].

The platforms also agreed that the product is permanent whole life coverage that builds cash value and remains in force while premiums are paid, and that it is not designed for large income-replacement or mortgage-protection needs [42].

On financial strength, Physicians Mutual reports an A+ A.M. Best rating for Physicians Life Insurance Company as of November 2025, while noting ratings do not assess specific policy provisions, rates, or practices [46]. Anthropic reports the same A+ rating along with $1.78 billion in assets and $173.6 million in claims paid annually [47]. Kimi reports A+ ratings from both AM Best and the BBB [38].

Where the AI Platforms Disagreed or Were Uncertain

Questions This Section Answers

  • Does Physicians Mutual have a high complaint ratio compared with other COPD life insurance carriers?
  • Is Physicians Mutual's maximum COPD coverage $10,000, $20,000, or $30,000?

The sharpest disagreement is the maximum face amount. Reported ceilings range from $3,000–$10,000 on the low end to $30,000 on the high end, with $15,000 and $20,000 in between [49]. The supplied evidence does not resolve this, and the difference is material for a buyer sizing coverage to funeral costs, debt, or a specific final expense.

The second disagreement is customer complaint volume. Kimi and Grok both report an NAIC complaint index of 3.49, more than triple the industry benchmark of 1.0 [53]. No other platform in this study reported or disputed that figure, so it should be treated as platform-reported and verified independently before purchase.

The third uncertainty is product naming. Sources refer to the guaranteed-issue product variously as Modified Whole Life Insurance, Secure Promise, Guaranteed Whole Life, and Secure Essential Life Insurance, and it is unclear whether these are distinct plans [56]. Age eligibility is also conflicted: some materials state ages 45–85, others cite 45–80, and specific policy form L770 rate sheets state issue ages from 35 to 85 [52].

Finally, no platform located COPD-specific underwriting criteria for Secure Essential or any other simplified-issue policy, and no independent source confirms that Physicians Mutual specifically evaluates COPD severity factors [63]. The absence of that detail is a research gap, not evidence of a favorable or unfavorable underwriting stance.

Use-Case-Specific Features and Capabilities

Questions This Section Answers

  • Does Physicians Mutual's guaranteed-issue policy pay the full death benefit if a COPD patient dies in the first two years?
  • Can a COPD applicant get Physicians Mutual coverage without disclosing oxygen use or hospitalizations?

The central capability is guaranteed acceptance. For the guaranteed-issue Modified Whole Life product, COPD severity, pulmonary-function results, oxygen dependence, medication use, smoking history, and hospitalization history should not determine acceptance, because the product uses no health questions or medical exam [67]. That removes decline risk but also removes any chance of preferred pricing for milder COPD [72].

The central tradeoff is the graded benefit. For non-accidental death during the first two years, beneficiaries receive premiums paid plus 10% rather than the full face amount; accidental death is covered in full from day one, and the full benefit applies after two years less policy indebtedness [74]. For a buyer with serious or unstable COPD, that two-year window is the most important term in the contract.

Coverage is permanent whole life with cash-value accumulation, and the policy is described as renewable for life while premiums are paid [75]. Policy loans or indebtedness can reduce the death benefit, and the reviewed materials do not provide a complete current loan-interest schedule [75].

Riders are limited. Anthropic reports that the accidental death benefit is the only add-on available on the whole life policy, with no accelerated death benefit rider noted [81]. That matters for a progressive condition like COPD, where access to benefits during life can be valuable [83].

Pricing, Fees, Contracts, and Ongoing Costs

Questions This Section Answers

  • How much does Physicians Mutual cost per month for a COPD applicant, and are there setup or cancellation fees?
  • Is Physicians Mutual's Modified Whole Life rate sheet from 2023 still valid for a 2026 purchase?

Public pricing is not sufficient to produce a current personalized COPD quote, and pricing confidence across platforms was low to moderate [84]. Premiums vary by age, sex, state, benefit amount, payment method, nicotine status, and product approval.

The available figures conflict by source and date. OpenAI cites a Modified Whole Life rate sheet effective December 15, 2023, showing monthly automatic-bank-withdrawal rates at age 65 of $30.30 for $5,000 male coverage, $23.60 for $5,000 female coverage, and $59.60 for $10,000 male coverage [84]. Anthropic and Kimi cite MoneyGeek averages of $72 per month for women and $92 per month for men at age 65 for $15,000 of coverage [87]. Kimi also reports $52 per month for a 55-year-old female and $63 for a 55-year-old male at $15,000 [89]. Grok reports roughly $34 per month for a 55-year-old female and $40 for a 55-year-old male at $10,000 [90]. Google reports about $33.20 and $39.20 per month for age-50 female and male buyers at $10,000, and about $67.00 and $79.00 at $20,000 for age-45 buyers [91].

For Secure Essential, OpenAI cites company examples: a 65-year-old nicotine-free applicant at $260.16 monthly for $50,000 whole life, $160.26 monthly for $20,000 whole life plus $30,000 five-year term, or $208.56 monthly for $30,000 whole life plus $20,000 fifteen-year term [92]. These are company estimates, not COPD-specific quotes.

On fees and contract terms, no separate application, medical-exam, policy, or rider fee was identified in the reviewed public materials, and it is unclear whether state-specific or payment-method charges apply [84]. Modified Whole Life has a 31-day risk-free review period with a full premium refund if canceled during that period, and coverage is renewable for life while premiums are paid [94]. Premiums are generally reported as fixed and not subject to increase due to age or health changes after issue [97].

Best Suited For

Questions This Section Answers

  • Who is Physicians Mutual best suited for among COPD life insurance buyers?
  • Is Physicians Mutual worth it for a COPD patient who has been declined elsewhere?

Physicians Mutual is best suited for COPD applicants ages 45–85 who cannot or will not complete medical underwriting and who mainly need final-expense, burial, debt, or legacy funding [98]. It fits applicants with severe or oxygen-dependent COPD who would likely be declined or heavily rated elsewhere, and applicants with multiple comorbidities alongside COPD who prefer guaranteed acceptance over premium cost [102].

It also fits buyers who prioritize ease of application and rapid approval, since no medical underwriting is required and applications are typically processed quickly [106]. Buyers who want permanent coverage with level premiums and a small cash-value component are also in scope [108].

Probably Not Best Suited For

Questions This Section Answers

  • Who should not choose Physicians Mutual for Life Insurance for COPD?
  • Is Physicians Mutual a poor fit for a COPD buyer who needs more than $30,000 in coverage?

Physicians Mutual is probably not the best fit for COPD patients with mild, stable disease who could qualify for simplified-issue or fully underwritten coverage at lower premiums with no waiting period and higher limits [110]. It is also a poor fit for buyers who need large income-replacement, mortgage-protection, or long-term family protection, because the guaranteed-issue face amount is small [114].

Buyers who cannot tolerate a two-year graded period, or who require immediate full benefits for non-accidental death, should look elsewhere [117]. Applicants outside the eligible age range, and buyers sensitive to the reported NAIC complaint index of 3.49, should weigh alternatives before purchasing [120].

When Another Option May Be Better

Questions This Section Answers

  • What is a better alternative to Physicians Mutual for a COPD buyer with mild, stable disease?
  • When should a COPD buyer choose a simplified-issue policy instead of Physicians Mutual's guaranteed-issue plan?

Another option may be better in four situations. First, a consumer with mild, stable COPD, no recent hospitalization, no oxygen dependence, and a favorable smoking history should compare fully underwritten term or permanent policies through an independent broker, which may provide more coverage at lower cost [122]. Second, a consumer needing more than $30,000 who is unable or unwilling to answer health questions should compare other guaranteed-issue insurers with higher limits, while carefully comparing graded-benefit periods and premiums [122].

Third, a consumer needing immediate full non-accidental benefits should prioritize policies without a two-year graded period if medically and financially available [122]. Fourth, a consumer outside the applicable eligibility range or in a state where the product is unavailable should seek a carrier licensed and actively offering comparable coverage in that state [122].

Platforms named specific alternatives for comparison. Anthropic cites Mutual of Omaha, Transamerica, and Aflac for simplified-issue policies with health questions and no waiting period if approved [129]. Kimi cites Pacific Life's PAL+ program for up to $3 million no-exam coverage, Banner Life for top rate classes on well-managed asthma, Corebridge Financial for up to Standard rates on mild COPD, and Mutual of Omaha for guaranteed issue up to $25,000 for age 45+ [131]. These are platform-reported comparisons, not verified quotes.

Questions to Verify Before Buying

Questions This Section Answers

  • What should a buyer confirm with Physicians Mutual before signing a COPD life insurance contract?
  • Which legal entity issues the Physicians Mutual policy quoted to a COPD applicant?

Before signing, a COPD buyer should confirm the issuing legal entity, since it is unclear whether the quoted policy is issued by Physicians Life Insurance Company, Physicians Mutual, or another affiliate [133]. The buyer should confirm state availability as of the purchase date, because the 2026 Secure Essential launch release says the product was available in 38 states through licensed independent brokers and the public pages reviewed do not provide a complete current state-by-state list [134].

For Secure Essential, the buyer should ask whether COPD diagnosis, FEV1 or other pulmonary-function results, oxygen use, inhalers or steroids, smoking history, exacerbations, or hospitalizations affect approval, rating, benefit amount, or postponement [133]. For Modified Whole Life, the buyer should confirm that the policy is truly guaranteed issue for their age and state with no health-question exceptions, and should ask exactly what is payable if death occurs from COPD during the first two policy years [133].

The buyer should also obtain the current premium by payment frequency, confirm whether it is level for life, and request the current policy, rider, loan, reinstatement, lapse, and payment-processing charges [133]. Cash-value schedule, loan interest rate, and the effect of loans or withdrawals on the death benefit should be documented, along with contestability and suicide provisions, exclusions, and beneficiary-claim requirements [138]. Finally, the buyer should obtain both a guaranteed-issue quote and a fully underwritten quote from other carriers for the same face amount before accepting coverage [133].

Final AI Consensus Verdict

The consensus verdict is a good but narrowly targeted fit. Physicians Mutual's guaranteed-issue Modified Whole Life policy is directly relevant for COPD applicants who need modest final-expense coverage and cannot qualify for ordinary underwriting, because COPD does not drive the acceptance decision for that product. Secure Essential is potentially more flexible and offers higher limits, but it is simplified issue rather than guaranteed issue and must be evaluated using the applicant's COPD history and a state-specific quote.

The limitations are consistent across platforms: a two-year graded benefit for non-accidental death, a low maximum face amount relative to underwritten alternatives, higher cost per dollar of coverage, limited riders, and no publicly disclosed COPD-specific underwriting criteria. Reported complaint-index data and conflicting coverage ceilings add verification work before purchase. Buyers with mild or stable COPD should compare simplified-issue and fully underwritten options first, and buyers needing more than $30,000 should treat Physicians Mutual as a fallback rather than a primary plan.

How This Review Was Produced

This review synthesizes seven platform fit-research responses collected for the Life Insurance for COPD topic on 2026-09-22. Four of the seven platforms named Physicians Mutual during ranking discovery: anthropic, grok, kimi, and openai. The entity's average listed rank was 5.25, its best listed rank was 1, and its final rank was 7.

Platform fit ratings were: grok strong, kimi strong, openai good, anthropic good, google good, perplexity good, and deepseek mixed. Each platform supplied citations for its factual claims, and those citations are preserved as platform-reported evidence rather than independently verified facts. The consensus index for this topic is available at Life Insurance for COPD, and the broader directory is at life insurance.

Methodology Limitations

Several limitations apply. 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: DeepSeek reported 2026-06-11 while the other six platforms reported 2026-09-22, so DeepSeek's findings may be less current. DeepSeek also ran with search disabled, so its claims are model-reported rather than retrieved.

Official-site retrieval failed for at least one mention, with an HTTP 403 response on the Physicians Mutual homepage, and the identity match used an exact-name fallback with the domain remaining unverified. The deterministic identity audit contains qualification notes that should be treated as facts to verify. Conflicting product names, coverage ceilings, age ranges, and pricing were not resolved by guessing; they are described as conflicts with verification steps for buyers. No platform conducted personal testing, and no independent verification of COPD-specific acceptance outcomes was supplied. Platform agreement on product mechanics does not prove product quality, suitability, pricing competitiveness, or claim outcomes.

From the index

Compare the adjacent findings before forming a view.

Sources

Company-Owned Sources

  • Life Insurance Products - Physicians Mutual: https://physiciansmutual.com/insurance/life-insurance
  • Guaranteed Issue Whole Life Insurance - Physicians Mutual: https://physiciansmutual.com/insurance/whole-life-insurance/guaranteed-issue-whole-life
  • Modified Whole Life Insurance - Physicians Mutual Rate Sheet: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQG386zB_LUAXg7bOX6oRg-NbFAhV8qa_-l-zI0IYTqxvgSAyZv_Ae6avco0AtoZnvaGAajKO8SmJHGQs3kiYXYhVEKKV9Sgx2G4I7z4D_oaNfsj1ngYfmz3dkpfmuC620Mjd81G-QHw1GOjgfPV5kwhg0uOWGNpilAeU0Bb_k0yVHD30fFV
  • Modified Whole Life Insurance - Physicians Mutual: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHGLnVYBYuKC6lv0Y5AqgFF0mLDMgOHz7l1ljIDKW46CV2pCF0r7KXdyIYBfcUamiReYwu5Ixy291py4c84gzi12RkrpRuBiJ_-m1OPeorkMD1PC_8b78uvnPBYal4oz7-BW1ruUTeMSS-gGnqPkX3edmC9UyghHi1OVsC00gQ=
  • Life Insurance with No Medical Exam | Mutual of Omaha: https://www.mutualofomaha.com/advice/life-insurance/types-of-life-insurance/life-insurance-with-no-medical-exam
  • Financial Strength – Why Choose Physicians Mutual: https://www.physiciansmutual.com/web/about/financial-strength
  • Physicians Mutual Introduces Secure Essential Life Insurance: https://www.physiciansmutual.com/web/about/newsroom/physicians-mutual-introduces-secure-essential-life-insurance
  • LIFE_PDF_RC01_CA_0424: https://www.physiciansmutual.com/web/api/doc/LIFE_PDF_RC01_0424?state=CA
  • Modified Whole Life Insurance: https://www.physiciansmutual.com/web/api/doc/LIFE_PDF_RC01_0424?state=No%20state%20selected
  • Modified Whole Life Insurance policy disclosure: https://www.physiciansmutual.com/web/api/doc/LIFE_PDF_RC01_0424?state=No+state+selected
  • LIFE_PDF_RC01_CA_0424: https://www.physiciansmutual.com/web/api/doc/LIFE_PDF_RC01_CA_0424?state=CA
  • Physicians Mutual Insurance – Dental, Life, Health & Medicare: https://www.physiciansmutual.com/web/community/article-title/have-your-insurance-needs-changed
  • Get Affordable Life Insurance – Physicians Mutual: https://www.physiciansmutual.com/web/life
  • Secure Essential Life Insurance Coverage: https://www.physiciansmutual.com/web/life/secure-essential-life-insurance
  • Term vs. Whole Life Insurance Coverage and Costs: https://www.physiciansmutual.com/web/life/term-vs-whole?oneClick=Life&refnum=697126
  • Can you get life insurance coverage if you have COPD?: https://www.progressive.com/answers/life-insurance-copd/
  • Additional AI research evidence140 records
    1. AI research evidence record grok:0
    2. AI research evidence record kimi:moneygeek-copd-2026
    3. AI research evidence record openai:c1
    4. AI research evidence record anthropic:src_3
    5. AI research evidence record google:1.2.4
    6. AI research evidence record perplexity:c5
    7. AI research evidence record deepseek:c1
    8. AI research evidence record anthropic:src_11
    9. AI research evidence record anthropic:src_28
    10. AI research evidence record anthropic:src_8
    11. AI research evidence record anthropic:src_15
    12. AI research evidence record openai:c1
    13. AI research evidence record anthropic:src_22
    14. AI research evidence record google:2.1.1
    15. AI research evidence record openai:c2
    16. AI research evidence record openai:c3
    17. AI research evidence record anthropic:src_8
    18. AI research evidence record anthropic:src_15
    19. AI research evidence record kimi:moneygeek-copd-2026
    20. AI research evidence record anthropic:src_2
    21. AI research evidence record anthropic:src_13
    22. AI research evidence record anthropic:src_26
    23. AI research evidence record anthropic:src_35
    24. AI research evidence record grok:0
    25. AI research evidence record grok:2
    26. AI research evidence record google:1.1.9
    27. AI research evidence record google:1.2.4
    28. AI research evidence record perplexity:c6
    29. AI research evidence record perplexity:c8
    30. AI research evidence record perplexity:c10
    31. AI research evidence record openai:c1
    32. AI research evidence record openai:c4
    33. AI research evidence record anthropic:src_9
    34. AI research evidence record anthropic:src_12
    35. AI research evidence record deepseek:c1
    36. AI research evidence record grok:2
    37. AI research evidence record perplexity:c4
    38. AI research evidence record kimi:moneygeek-copd-2026
    39. AI research evidence record google:2.1.1
    40. AI research evidence record anthropic:src_17
    41. AI research evidence record perplexity:c14
    42. AI research evidence record openai:c5
    43. AI research evidence record anthropic:src_2
    44. AI research evidence record anthropic:src_27
    45. AI research evidence record perplexity:c1
    46. AI research evidence record openai:c7
    47. AI research evidence record anthropic:src_30
    48. AI research evidence record anthropic:src_4
    49. AI research evidence record anthropic:src_26
    50. AI research evidence record anthropic:src_2
    51. AI research evidence record anthropic:src_35
    52. AI research evidence record openai:c1
    53. AI research evidence record kimi:moneygeek-copd-2026
    54. AI research evidence record google:1.1.9
    55. AI research evidence record grok:0
    56. AI research evidence record anthropic:src_10
    57. AI research evidence record deepseek:c3
    58. AI research evidence record perplexity:c15
    59. AI research evidence record anthropic:src_22
    60. AI research evidence record perplexity:c2
    61. AI research evidence record google:2.1.8
    62. AI research evidence record google:2.2.1
    63. AI research evidence record openai:c2
    64. AI research evidence record openai:c3
    65. AI research evidence record anthropic:src_37
    66. AI research evidence record deepseek:c1
    67. AI research evidence record openai:c1
    68. AI research evidence record anthropic:src_8
    69. AI research evidence record anthropic:src_15
    70. AI research evidence record kimi:moneygeek-copd-2026
    71. AI research evidence record google:1.2.4
    72. AI research evidence record deepseek:c1
    73. AI research evidence record deepseek:c2
    74. AI research evidence record openai:c4
    75. AI research evidence record openai:c5
    76. AI research evidence record google:2.1.1
    77. AI research evidence record anthropic:src_17
    78. AI research evidence record anthropic:src_2
    79. AI research evidence record anthropic:src_13
    80. AI research evidence record perplexity:c1
    81. AI research evidence record anthropic:src_33
    82. AI research evidence record anthropic:src_14
    83. AI research evidence record anthropic:src_39
    84. AI research evidence record openai:c1
    85. AI research evidence record deepseek:c1
    86. AI research evidence record perplexity:c6
    87. AI research evidence record anthropic:src_11
    88. AI research evidence record anthropic:src_28
    89. AI research evidence record kimi:moneygeek-copd-2026
    90. AI research evidence record grok:2
    91. AI research evidence record google:1.2.7
    92. AI research evidence record openai:c2
    93. AI research evidence record anthropic:src_33
    94. AI research evidence record openai:c4
    95. AI research evidence record openai:c5
    96. AI research evidence record google:2.2.1
    97. AI research evidence record anthropic:src_29
    98. AI research evidence record openai:c1
    99. AI research evidence record anthropic:src_3
    100. AI research evidence record kimi:moneygeek-copd-2026
    101. AI research evidence record google:1.2.4
    102. AI research evidence record anthropic:src_15
    103. AI research evidence record anthropic:src_42
    104. AI research evidence record grok:0
    105. AI research evidence record google:1.1.1
    106. AI research evidence record anthropic:src_24
    107. AI research evidence record anthropic:src_5
    108. AI research evidence record anthropic:src_2
    109. AI research evidence record anthropic:src_27
    110. AI research evidence record anthropic:src_3
    111. AI research evidence record anthropic:src_12
    112. AI research evidence record anthropic:src_36
    113. AI research evidence record anthropic:src_41
    114. AI research evidence record openai:c1
    115. AI research evidence record anthropic:src_43
    116. AI research evidence record perplexity:c6
    117. AI research evidence record anthropic:src_9
    118. AI research evidence record perplexity:c4
    119. AI research evidence record google:2.1.1
    120. AI research evidence record kimi:moneygeek-copd-2026
    121. AI research evidence record grok:0
    122. AI research evidence record openai:c1
    123. AI research evidence record anthropic:src_41
    124. AI research evidence record anthropic:src_40
    125. AI research evidence record anthropic:src_43
    126. AI research evidence record anthropic:src_36
    127. AI research evidence record perplexity:c4
    128. AI research evidence record perplexity:c3
    129. AI research evidence record anthropic:src_12
    130. AI research evidence record anthropic:src_21
    131. AI research evidence record kimi:policygenius-lung-2026
    132. AI research evidence record kimi:moneygeek-copd-2026
    133. AI research evidence record openai:c1
    134. AI research evidence record openai:c3
    135. AI research evidence record openai:c2
    136. AI research evidence record openai:c4
    137. AI research evidence record anthropic:src_33
    138. AI research evidence record openai:c5
    139. AI research evidence record perplexity:c14
    140. AI research evidence record anthropic:src_12

Independent Sources

Other Sources

  • Physicians Mutual hiring Life & Health Underwriter in Omaha, NE: https://www.linkedin.com/jobs/view/life-health-underwriter-at-physicians-mutual-4151457661
  • Underwriting_Guidelines_Life 10072024: https://www.smsteam.net/wp-content/uploads/products/med-supp-plans/physicians-mutual/Generic-UW-Guide.pdf
  • Additional AI research evidence140 records
    1. AI research evidence record grok:0
    2. AI research evidence record kimi:moneygeek-copd-2026
    3. AI research evidence record openai:c1
    4. AI research evidence record anthropic:src_3
    5. AI research evidence record google:1.2.4
    6. AI research evidence record perplexity:c5
    7. AI research evidence record deepseek:c1
    8. AI research evidence record anthropic:src_11
    9. AI research evidence record anthropic:src_28
    10. AI research evidence record anthropic:src_8
    11. AI research evidence record anthropic:src_15
    12. AI research evidence record openai:c1
    13. AI research evidence record anthropic:src_22
    14. AI research evidence record google:2.1.1
    15. AI research evidence record openai:c2
    16. AI research evidence record openai:c3
    17. AI research evidence record anthropic:src_8
    18. AI research evidence record anthropic:src_15
    19. AI research evidence record kimi:moneygeek-copd-2026
    20. AI research evidence record anthropic:src_2
    21. AI research evidence record anthropic:src_13
    22. AI research evidence record anthropic:src_26
    23. AI research evidence record anthropic:src_35
    24. AI research evidence record grok:0
    25. AI research evidence record grok:2
    26. AI research evidence record google:1.1.9
    27. AI research evidence record google:1.2.4
    28. AI research evidence record perplexity:c6
    29. AI research evidence record perplexity:c8
    30. AI research evidence record perplexity:c10
    31. AI research evidence record openai:c1
    32. AI research evidence record openai:c4
    33. AI research evidence record anthropic:src_9
    34. AI research evidence record anthropic:src_12
    35. AI research evidence record deepseek:c1
    36. AI research evidence record grok:2
    37. AI research evidence record perplexity:c4
    38. AI research evidence record kimi:moneygeek-copd-2026
    39. AI research evidence record google:2.1.1
    40. AI research evidence record anthropic:src_17
    41. AI research evidence record perplexity:c14
    42. AI research evidence record openai:c5
    43. AI research evidence record anthropic:src_2
    44. AI research evidence record anthropic:src_27
    45. AI research evidence record perplexity:c1
    46. AI research evidence record openai:c7
    47. AI research evidence record anthropic:src_30
    48. AI research evidence record anthropic:src_4
    49. AI research evidence record anthropic:src_26
    50. AI research evidence record anthropic:src_2
    51. AI research evidence record anthropic:src_35
    52. AI research evidence record openai:c1
    53. AI research evidence record kimi:moneygeek-copd-2026
    54. AI research evidence record google:1.1.9
    55. AI research evidence record grok:0
    56. AI research evidence record anthropic:src_10
    57. AI research evidence record deepseek:c3
    58. AI research evidence record perplexity:c15
    59. AI research evidence record anthropic:src_22
    60. AI research evidence record perplexity:c2
    61. AI research evidence record google:2.1.8
    62. AI research evidence record google:2.2.1
    63. AI research evidence record openai:c2
    64. AI research evidence record openai:c3
    65. AI research evidence record anthropic:src_37
    66. AI research evidence record deepseek:c1
    67. AI research evidence record openai:c1
    68. AI research evidence record anthropic:src_8
    69. AI research evidence record anthropic:src_15
    70. AI research evidence record kimi:moneygeek-copd-2026
    71. AI research evidence record google:1.2.4
    72. AI research evidence record deepseek:c1
    73. AI research evidence record deepseek:c2
    74. AI research evidence record openai:c4
    75. AI research evidence record openai:c5
    76. AI research evidence record google:2.1.1
    77. AI research evidence record anthropic:src_17
    78. AI research evidence record anthropic:src_2
    79. AI research evidence record anthropic:src_13
    80. AI research evidence record perplexity:c1
    81. AI research evidence record anthropic:src_33
    82. AI research evidence record anthropic:src_14
    83. AI research evidence record anthropic:src_39
    84. AI research evidence record openai:c1
    85. AI research evidence record deepseek:c1
    86. AI research evidence record perplexity:c6
    87. AI research evidence record anthropic:src_11
    88. AI research evidence record anthropic:src_28
    89. AI research evidence record kimi:moneygeek-copd-2026
    90. AI research evidence record grok:2
    91. AI research evidence record google:1.2.7
    92. AI research evidence record openai:c2
    93. AI research evidence record anthropic:src_33
    94. AI research evidence record openai:c4
    95. AI research evidence record openai:c5
    96. AI research evidence record google:2.2.1
    97. AI research evidence record anthropic:src_29
    98. AI research evidence record openai:c1
    99. AI research evidence record anthropic:src_3
    100. AI research evidence record kimi:moneygeek-copd-2026
    101. AI research evidence record google:1.2.4
    102. AI research evidence record anthropic:src_15
    103. AI research evidence record anthropic:src_42
    104. AI research evidence record grok:0
    105. AI research evidence record google:1.1.1
    106. AI research evidence record anthropic:src_24
    107. AI research evidence record anthropic:src_5
    108. AI research evidence record anthropic:src_2
    109. AI research evidence record anthropic:src_27
    110. AI research evidence record anthropic:src_3
    111. AI research evidence record anthropic:src_12
    112. AI research evidence record anthropic:src_36
    113. AI research evidence record anthropic:src_41
    114. AI research evidence record openai:c1
    115. AI research evidence record anthropic:src_43
    116. AI research evidence record perplexity:c6
    117. AI research evidence record anthropic:src_9
    118. AI research evidence record perplexity:c4
    119. AI research evidence record google:2.1.1
    120. AI research evidence record kimi:moneygeek-copd-2026
    121. AI research evidence record grok:0
    122. AI research evidence record openai:c1
    123. AI research evidence record anthropic:src_41
    124. AI research evidence record anthropic:src_40
    125. AI research evidence record anthropic:src_43
    126. AI research evidence record anthropic:src_36
    127. AI research evidence record perplexity:c4
    128. AI research evidence record perplexity:c3
    129. AI research evidence record anthropic:src_12
    130. AI research evidence record anthropic:src_21
    131. AI research evidence record kimi:policygenius-lung-2026
    132. AI research evidence record kimi:moneygeek-copd-2026
    133. AI research evidence record openai:c1
    134. AI research evidence record openai:c3
    135. AI research evidence record openai:c2
    136. AI research evidence record openai:c4
    137. AI research evidence record anthropic:src_33
    138. AI research evidence record openai:c5
    139. AI research evidence record perplexity:c14
    140. AI research evidence record anthropic:src_12

Verify this research

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

Study date
September 22, 2026
Platforms analyzed
7
Source records
52
Ranking mentions
4 of 7
Platform share
57%
Final consensus rank
#7

Behind the findings

Platforms in this study

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

Source records

34 independent · 16 company-owned · 2 unclear

Evidence support

41 direct · 11 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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