Life Insurance
Consensus Index

AI Consensus Fit Review

Colonial Penn No-Exam Life Insurance After Being Declined Fit Review

Colonial Penn is a good—but not universally best—fit for No-Exam Life Insurance After Being Declined.

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

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Answer Capsule

Colonial Penn is a good—but not universally best—fit for No-Exam Life Insurance After Being Declined. Three of seven platforms named it during the ranking stage (43% of included platform responses), at an average listed rank of 4.67 and a best rank of 2. Its strongest reason to consider it is Guaranteed Acceptance Whole Life Insurance, which requires no medical exam and no health questions and guarantees acceptance for eligible applicants generally aged 50–85 in most states [1]. The main limitation is a two-year limited-benefit period: natural-cause deaths in the first two years return premiums plus interest rather than the full face amount [4].

Research Snapshot

FieldFinding
Platform mentions in ranking stage3 of 7 platforms (deepseek, google, kimi)
Share of included platform responses43% (3 ÷ 7)
Average listed rank4.67
Best listed rank2 (deepseek)
Relevant product/model/planGuaranteed Acceptance Whole Life Insurance, also marketed as Guaranteed Acceptance Life Insurance
Overall use-case fitGood (openai, anthropic, grok, perplexity); Mixed (deepseek, google, kimi)
Research date2026-09-22

Why Colonial Penn Qualified for This Study

Questions This Section Answers

  • Is Colonial Penn a good choice for no-exam life insurance after being declined for traditional coverage?
  • Why did only 3 of 7 AI platforms name Colonial Penn for no-exam coverage after a decline?

Colonial Penn qualified because its flagship guaranteed-acceptance product directly addresses the defining problem of this use case: a prior health-based decline. The company states that acceptance is guaranteed for eligible applicants and that health, pre-existing conditions, and medical history do not prevent issuance [7]. Independent reviewers describe the product as opening coverage to people with serious health conditions who have been declined elsewhere [8].

It cleared the study's minimum-mention threshold (two or more platforms) with three ranking-stage mentions: deepseek (rank 2), kimi (rank 5), and google (rank 7). All seven included platforms evaluated Colonial Penn's fit, but only those three named it during ranking discovery. Four platforms—openai, anthropic, grok, and perplexity—assessed it as a good fit without placing it in their ranked lists.

The company is a licensed U.S. insurer backed by CNO Financial Group, which independent reviews rate A (Excellent) by AM Best [10]. One platform (kimi) cites an A- rating instead, a minor conflict noted below. Colonial Penn has sold life insurance directly to consumers since 1957 and reports over $3.7 billion of life insurance in force (official:C1).

The Product, Model, Plan, or Service Most Relevant to No-Exam Life Insurance After Being Declined

Questions This Section Answers

  • Which Colonial Penn plan should a buyer choose after being declined for traditionally underwritten life insurance?
  • Does Colonial Penn's Guaranteed Acceptance Whole Life Insurance require a medical exam or health questions?

The relevant product is Colonial Penn's Guaranteed Acceptance Whole Life Insurance, also marketed as Guaranteed Acceptance Life Insurance [12]. It is permanent whole life coverage, not term, and it is true guaranteed-issue coverage rather than simplified issue [14].

Core mechanics, as described across platforms:

  • No exam, no health questions. The company states applicants do not need a physical or health questions, and acceptance is guaranteed regardless of pre-existing conditions [15].
  • Age eligibility. Generally ages 50–85 in most states, with narrower bands in some states: DC 55–85, Minnesota and Montana 50–75, New Jersey 50–77 (male) and 50–82 (female), New York 50–75, Pennsylvania 56–85 [18].
  • Unit-based coverage. Coverage is sold in units at a fixed price per unit; the death benefit per unit depends on age, gender (age only in Montana), and state [19].
  • Graded death benefit. The contract is a graded death benefit with limited payment in the first two years [20].
  • Permanent, level-premium structure. Premiums are locked once coverage takes effect and do not increase; coverage cannot be cancelled by the insurer as long as premiums are paid [21].

One platform notes Colonial Penn also offers a separate New York whole life policy requiring health questions but no medical exam, with approval not automatic [24]. That is a different product from the guaranteed-acceptance plan discussed here.

What the AI Platforms Agreed About

Questions This Section Answers

  • What do AI platforms agree on about Colonial Penn's guaranteed acceptance for previously declined applicants?
  • Does Colonial Penn's guaranteed acceptance plan pay full benefits immediately for natural-cause death?

Agreement was strong on the product's core mechanics, though not unanimous on overall fit.

Unanimous or near-unanimous points:

  • No exam, no health questions. Every platform that discussed the product confirmed this [26].
  • Two-year limited-benefit period. All seven platforms identified a graded or limited benefit period for non-accidental death in the first two years [33].
  • Age band of 50–85 in most states. Confirmed across platforms [37].
  • Locked, non-increasing premiums. Confirmed by multiple platforms [26].
  • Unit-based pricing at $9.95 per unit per month. Confirmed by openai, anthropic, grok, perplexity, and google [42].

Majority points:

  • Modest coverage suited to final expenses. Five platforms characterized the product as final-expense scale rather than income replacement [47].
  • Higher cost per dollar of coverage than underwritten alternatives. Multiple independent sources support this [51].

Agreement among platforms reflects shared source material, not independent verification of product quality.

Where the AI Platforms Disagreed or Were Uncertain

Questions This Section Answers

  • Do AI platforms disagree about whether Colonial Penn's guaranteed acceptance plan is a good value after a decline?
  • What is unresolved about Colonial Penn's maximum units and coverage amounts for a declined applicant?

Fit ratings diverged. Four platforms rated the fit "good" (openai, anthropic, grok, perplexity); three rated it "mixed" (deepseek, google, kimi). The split tracks how heavily each platform weighted cost and coverage limits against guaranteed acceptance.

Maximum units conflict. Colonial Penn's own public pages conflict: one states up to 15 units, another states up to 25 units [53]. Independent sources generally cite 25 units [55], and one platform notes some broker pages still reference an 8-unit maximum, with state-specific limits such as 12 units in New York [57]. The applicable maximum must be confirmed by state-specific quote.

Death benefit per unit is not standardized. No universal dollar figure exists because benefits vary by age, gender, and state [54]. One source estimates roughly $700–$800 per unit for a 70-year-old male [59]; another estimates about $2,190 per unit for a 50-year-old female and around $418 for an 80-year-old male [60]. These are platform-reported estimates, not confirmed rate tables.

Denial reports conflict with guaranteed-acceptance marketing. Multiple review sources report customers being denied coverage despite guaranteed-acceptance claims, with the reason not clearly documented publicly [61]. These are review-site and customer-forum claims, not regulatory findings.

Interest rate on premium return varies by source. U.S. News states premiums paid plus 7% annual interest for natural-cause death in the first two years [63]; grok cites 7% compounded interest [64]. The exact formula should be confirmed in the policy.

Rating conflict. Most sources cite an A (Excellent) AM Best rating [65]; kimi cites A- [67]. This is a minor unresolved discrepancy.

Cash value and loan terms. The policy builds cash value after the first year and can be borrowed against [68]. One platform cites an 8% compounded annual policy-loan interest rate [53]. Independent commentary describes cash value accumulation as slow [70].

Naming inconsistency. Sources use "Guaranteed Acceptance Life Insurance," "Guaranteed Acceptance Whole Life Insurance," and "Guaranteed Whole Life Insurance" for what appears to be the same product [71].

Use-Case-Specific Features and Capabilities

Questions This Section Answers

  • What features make Colonial Penn's guaranteed acceptance plan work for a buyer who was declined for health reasons?
  • How does Colonial Penn's two-year graded benefit affect a previously declined applicant's coverage?

Guaranteed acceptance after a prior decline. The company states acceptance is guaranteed for eligible applicants and that health, pre-existing conditions, and medical history do not prevent issuance [72]. Independent reviewers confirm the product opens coverage to people declined elsewhere [73].

No-exam underwriting distinction. The product is guaranteed issue, not simplified issue. NAIC materials describe accelerated underwriting as a separate route that may waive a physical exam while still using application data, external data, and analytics [75]. A declined applicant should investigate whether a broker can access simplified-issue or accelerated-underwriting policies before choosing guaranteed issue [75].

Two-year limited-benefit period. If death occurs from natural causes in the first two years, beneficiaries receive premiums paid plus interest rather than the full face amount; accidental death pays full benefits immediately [76]. The exact benefit formula during that period was not fully specified in reviewed public pages [79].

Permanent coverage with level premiums. Coverage is whole life intended to remain in force for life if premiums are paid, with premiums locked at issue [80].

Cash value after year one. The policy begins building cash value after the first year, borrowable at a guaranteed rate [82].

Payment flexibility. Premiums can be paid monthly, quarterly, semi-annually, or annually [84].

30-day try-it-on period. The quote page states a 30-day period with a full refund if the policy is cancelled within that window [79].

Simple application. Minimal paperwork and no medical underwriting; coverage can be obtained without waiting for exam scheduling [87].

Pricing, Fees, Contracts, and Ongoing Costs

Questions This Section Answers

  • How much does Colonial Penn's guaranteed acceptance plan cost per month, and what is the maximum premium?
  • What fees, loan interest, and cancellation terms apply to Colonial Penn's guaranteed acceptance policy?

Advertised starting price: $9.95 per unit per month [89]. Total premiums vary by age, gender, state, and number of units [89].

Maximum monthly premium: $248.75 at 25 units, per independent sources [94]. One platform notes an annual-pay discount equivalent to roughly one month free [92].

Cost competitiveness: Multiple independent sources state Colonial Penn's rates run 40–50% higher than competitors such as Mutual of Omaha or AIG [96]. One platform frames guaranteed-issue pricing generally as 30–75% above simplified issue [98]. These are platform-reported comparisons, not normalized quotes.

Fees: No separate application fee was identified in reviewed public materials [99]. Policy-loan interest is stated as 8% compounded annually if a loan is taken [100]. Unpaid loans and interest reduce the death benefit [100].

Contract terms:

  • Coverage remains in force only while required premiums are paid [99].
  • The insurer cannot cancel the policy due to changes in health or age [101].
  • A two-year limited-benefit period applies to non-accidental death [103].
  • A two-year contestability period applies, during which the insurer can investigate application accuracy [105].
  • A 30-day refund period is advertised [99].

Pricing transparency is limited. Colonial Penn does not publish a complete public rate table; premiums are age-banded at application and quotes must be requested [108]. One platform rates pricing confidence as low for this reason.

Best Suited For

Questions This Section Answers

  • Who is Colonial Penn's guaranteed acceptance plan best suited for after a health-based decline?
  • Is Colonial Penn a good fit for a buyer who needs modest final-expense coverage and guaranteed approval?

Colonial Penn's guaranteed acceptance plan is best suited for:

  • Applicants generally aged 50–85 in most states who cannot qualify for traditionally underwritten coverage.
  • Buyers who have been formally declined by at least one other insurer and cannot answer health questions favorably.
  • Those seeking final-expense or small legacy coverage rather than substantial income replacement [110].
  • Buyers prioritizing guaranteed acceptance, no medical exam, no health questions, and level premiums over cost and coverage amount.
  • Applicants who understand and accept the two-year limited-benefit period.

Probably Not Best Suited For

Questions This Section Answers

  • Who should not choose Colonial Penn's guaranteed acceptance plan for no-exam coverage after a decline?
  • Is Colonial Penn a poor fit for a declined buyer who needs high coverage limits or immediate full benefits?

Colonial Penn is probably not the best fit for:

  • Applicants seeking high coverage limits or substantial income-replacement coverage.
  • Applicants needing full natural-death benefits immediately.
  • Applicants who may qualify for simplified-issue or accelerated-underwriting coverage with better pricing or higher limits.
  • Applicants outside the stated age, state-availability, or product eligibility requirements.
  • Cost-sensitive buyers, given independent reports of 40–50% higher rates than competitors [111].
  • Applicants under 50 or over 85, subject to state variation.

When Another Option May Be Better

Questions This Section Answers

  • When is a simplified-issue policy a better alternative to Colonial Penn for a previously declined buyer?
  • What should a declined buyer compare before choosing Colonial Penn over another guaranteed-issue carrier?

Another option may be better when:

  • The buyer can answer basic health questions. Simplified-issue coverage typically offers better coverage amounts with no waiting period [113].
  • The buyer may qualify for accelerated underwriting. NAIC describes this route as potentially waiving a physical exam while using application data and analytics [114].
  • The buyer needs substantial term coverage for mortgage, income replacement, or dependent support.
  • The buyer needs coverage above roughly $25,000, since guaranteed-issue products typically cap around that level.
  • The buyer wants transparent per-thousand pricing without unit conversion [115].
  • The buyer is outside Colonial Penn's age or state eligibility.

Platforms specifically named Mutual of Omaha, Gerber Life, AIG, and Aetna/Accendo Modified as comparison candidates [116]. These are platform-reported suggestions, not endorsements.

Questions to Verify Before Buying

Questions This Section Answers

  • What should a buyer confirm with Colonial Penn before signing a guaranteed acceptance policy after a decline?

  • How can a declined buyer verify Colonial Penn's exact death benefit and waiting-period terms before purchase?

  • What is the exact death benefit per unit for the buyer's age, gender, and state, and the maximum total benefit available?

  • Does the policy pay premiums back plus interest, or another amount, if death occurs from natural causes during the first two years?

  • What benefits are payable immediately for accidental death?

  • What is the total monthly, quarterly, semi-annual, and annual premium for the selected amount?

  • Are there state-specific exclusions, riders, graded benefits, or policy-form differences?

  • Is the 30-day refund period available in the buyer's state, and what steps are required to cancel?

  • What is the guaranteed cash-value schedule and the current loan interest terms?

  • Would a broker-accessible simplified-issue or accelerated-underwriting policy provide immediate full benefits, higher limits, or lower total cost?

  • Does the buyer's prior decline affect eligibility for any other Colonial Penn product?

  • What happens if premiums are missed, including lapse, nonforfeiture, reduced paid-up, or automatic-premium-loan provisions?

Final AI Consensus Verdict

Colonial Penn is a good, but not universally best, fit for no-exam life insurance after being declined. Its Guaranteed Acceptance Whole Life Insurance directly solves the acceptance problem for many health-declined applicants: no exam, no health questions, permanent coverage, and level premiums. Four of seven platforms rated the fit "good"; three rated it "mixed" (fit_ratings_by_platform).

The consensus tradeoffs are consistent: a two-year limited-benefit period for natural-cause death, modest unit-based coverage, limited pricing transparency, and independent reports of premiums 40–50% higher than competitors [118]. Reports of denials despite guaranteed-acceptance marketing remain unresolved and are drawn from review sites rather than regulators [122].

The practical verdict: treat Colonial Penn as one quote among several. Verify the state-specific death benefit in writing, confirm the exact two-year limited-benefit formula, and compare at least one simplified-issue or accelerated-underwriting quote before committing. For buyers who have genuinely exhausted other options and need modest final-expense coverage, it is a legitimate and directly relevant choice.

How This Review Was Produced

This review synthesizes fit-research responses from seven AI platforms (openai, anthropic, deepseek, google, grok, kimi, perplexity) collected for the topic "Best No-Exam Life Insurance After Being Declined" on 2026-09-22. Each platform independently evaluated Colonial Penn's fit for this use case, supplied citations, and rated the fit. Ranking statistics reflect only platforms that named Colonial Penn during the ranking-discovery stage. All citations are platform-reported evidence, not independently verified facts. The consensus index for this topic is available at No-Exam Life Insurance After Being Declined, and related carrier reviews are filed under the life insurance category directory.

Methodology Limitations

  • Platform-reported research dates differ from the authoritative run date of 2026-09-22. Deepseek's response is dated 2026-02-14, roughly seven months earlier; its pricing and eligibility findings may be stale (platform_date_discrepancies).
  • Deepseek ran with search disabled (search_enabled: false), so its claims are model-reported rather than retrieved from live sources.
  • 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.
  • Official-site retrieval failed for one or more mentions during the identity audit; no failed fetch was used as a verified domain key.
  • Colonial Penn's public pages conflict on maximum purchasable units (15 vs. 25), and the exact death benefit per unit is not standardized publicly.
  • Reports of denials despite guaranteed-acceptance marketing come from review sites and customer forums, not regulatory findings.
  • Platform agreement reflects shared source material and does not prove product quality.
From the index

Compare the adjacent findings before forming a view.

Sources

Company-Owned Sources

  • Colonial Penn: Affordable Life Insurance Quotes for Seniors: https://colonialpenn.com/
  • Guaranteed Acceptance Life Insurance: https://colonialpenn.com/franklinmadison
  • Colonial Penn Guaranteed Acceptance Whole Life Insurance: https://colonialpenn.com/guaranteed-acceptance-whole-life-insurance
  • 9 Potential Reasons Life Insurance Won't Pay Out: https://colonialpenn.com/insights/9-potential-reasons-life-insurance-wont-pay-out/
  • A Guide to Guaranteed Life Insurance: https://colonialpenn.com/insights/a-guide-to-guaranteed-life-insurance/
  • Colonial Penn Life Insurance Rate Chart: https://colonialpenn.com/life-insurance-rate-chart
  • Guaranteed Acceptance Whole Life Insurance: https://colonialpenn.com/life-insurance/guaranteed-acceptance-whole-life-insurance/
  • Guaranteed Acceptance Life Insurance Policy - Colonial Penn: https://colonialpenn.com/products/guaranteedacceptance
  • Insurance Products – Coverage That Meets Your Needs and Budget: https://colonialpenn.com/products/insurance
  • Get a Quote - Colonial Penn: https://colonialpenn.com/quote
  • How does Colonial Penn's $9.95 guaranteed acceptance whole life insurance work: https://colonialpenn.com/service-support/faq/How-does-Colonial-Penns-$9.95-guaranteed-acceptance-whole-life-insurance-work
  • How does Colonial Penn's $9.95 guaranteed acceptance whole life insurance work?: https://colonialpenn.com/service-support/faq/how-does-colonial-penns-9.95-guaranteed-acceptance-whole-life-insurance-work
  • Official pricing and terms source: https://colonialpenn.com/termsofuse
  • Additional AI research evidence123 records
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    2. AI research evidence record anthropic:1-1
    3. AI research evidence record deepseek:c1
    4. AI research evidence record anthropic:22-19
    5. AI research evidence record google:cp_final_expense_guy
    6. AI research evidence record grok:web:5
    7. AI research evidence record openai:cp-guaranteed
    8. AI research evidence record anthropic:13-4
    9. AI research evidence record anthropic:13-5
    10. AI research evidence record anthropic:1-9
    11. AI research evidence record anthropic:10-7
    12. AI research evidence record openai:cp-guaranteed
    13. AI research evidence record perplexity:c1
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    15. AI research evidence record perplexity:c4
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    32. AI research evidence record kimi:emedicare-1
    33. AI research evidence record anthropic:22-19
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    35. AI research evidence record grok:web:5
    36. AI research evidence record perplexity:c4
    37. AI research evidence record anthropic:4-3
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    39. AI research evidence record perplexity:c2
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    45. AI research evidence record perplexity:c3
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    57. AI research evidence record google:cp_choice_mutual_1
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    69. AI research evidence record anthropic:27-17
    70. AI research evidence record perplexity:c6
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    79. AI research evidence record openai:cp-quote
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    81. AI research evidence record anthropic:20-2
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    84. AI research evidence record anthropic:21-17
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    87. AI research evidence record anthropic:13-1
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    90. AI research evidence record anthropic:25-7
    91. AI research evidence record perplexity:c3
    92. AI research evidence record google:cp_rate_chart
    93. AI research evidence record anthropic:19-12
    94. AI research evidence record anthropic:19-2
    95. AI research evidence record anthropic:19-14
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    102. AI research evidence record anthropic:20-6
    103. AI research evidence record anthropic:22-19
    104. AI research evidence record google:cp_final_expense_guy
    105. AI research evidence record anthropic:28-1
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    109. AI research evidence record deepseek:c2
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    111. AI research evidence record anthropic:14-1
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    113. AI research evidence record anthropic:35-5
    114. AI research evidence record openai:naic-au
    115. AI research evidence record grok:web:11
    116. AI research evidence record anthropic:14-1
    117. AI research evidence record kimi:guaranteedlifeinsured-3
    118. AI research evidence record anthropic:14-1
    119. AI research evidence record anthropic:34-1
    120. AI research evidence record deepseek:c2
    121. AI research evidence record kimi:emedicare-1
    122. AI research evidence record anthropic:41-2
    123. AI research evidence record anthropic:41-5

Independent Sources

Other Sources

  • Colonial Penn Life Insurance Rate Chart: https://www.colonialpennlifeinsuranceplans.com/colonial-penn-life-insurance-rate-chart
  • Additional AI research evidence123 records
    1. AI research evidence record openai:cp-quote
    2. AI research evidence record anthropic:1-1
    3. AI research evidence record deepseek:c1
    4. AI research evidence record anthropic:22-19
    5. AI research evidence record google:cp_final_expense_guy
    6. AI research evidence record grok:web:5
    7. AI research evidence record openai:cp-guaranteed
    8. AI research evidence record anthropic:13-4
    9. AI research evidence record anthropic:13-5
    10. AI research evidence record anthropic:1-9
    11. AI research evidence record anthropic:10-7
    12. AI research evidence record openai:cp-guaranteed
    13. AI research evidence record perplexity:c1
    14. AI research evidence record kimi:emedicare-1
    15. AI research evidence record perplexity:c4
    16. AI research evidence record anthropic:3-8
    17. AI research evidence record google:cp_guaranteed_whole_life
    18. AI research evidence record anthropic:4-4
    19. AI research evidence record openai:cp-faq
    20. AI research evidence record anthropic:22-19
    21. AI research evidence record openai:cp-quote
    22. AI research evidence record anthropic:20-1
    23. AI research evidence record anthropic:20-3
    24. AI research evidence record anthropic:10-1
    25. AI research evidence record anthropic:10-2
    26. AI research evidence record openai:cp-quote
    27. AI research evidence record anthropic:1-1
    28. AI research evidence record deepseek:c1
    29. AI research evidence record grok:web:0
    30. AI research evidence record perplexity:c1
    31. AI research evidence record google:cp_guaranteed_whole_life
    32. AI research evidence record kimi:emedicare-1
    33. AI research evidence record anthropic:22-19
    34. AI research evidence record google:cp_final_expense_guy
    35. AI research evidence record grok:web:5
    36. AI research evidence record perplexity:c4
    37. AI research evidence record anthropic:4-3
    38. AI research evidence record grok:web:3
    39. AI research evidence record perplexity:c2
    40. AI research evidence record google:cp_choice_mutual_1
    41. AI research evidence record anthropic:20-1
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    44. AI research evidence record grok:web:13
    45. AI research evidence record perplexity:c3
    46. AI research evidence record google:cp_rate_chart
    47. AI research evidence record deepseek:c2
    48. AI research evidence record perplexity:c6
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    50. AI research evidence record anthropic:2-11
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    57. AI research evidence record google:cp_choice_mutual_1
    58. AI research evidence record anthropic:19-12
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    86. AI research evidence record grok:web:0
    87. AI research evidence record anthropic:13-1
    88. AI research evidence record anthropic:13-7
    89. AI research evidence record openai:cp-faq
    90. AI research evidence record anthropic:25-7
    91. AI research evidence record perplexity:c3
    92. AI research evidence record google:cp_rate_chart
    93. AI research evidence record anthropic:19-12
    94. AI research evidence record anthropic:19-2
    95. AI research evidence record anthropic:19-14
    96. AI research evidence record anthropic:14-1
    97. AI research evidence record anthropic:34-1
    98. AI research evidence record kimi:emedicare-1
    99. AI research evidence record openai:cp-quote
    100. AI research evidence record openai:cp-guaranteed
    101. AI research evidence record anthropic:20-3
    102. AI research evidence record anthropic:20-6
    103. AI research evidence record anthropic:22-19
    104. AI research evidence record google:cp_final_expense_guy
    105. AI research evidence record anthropic:28-1
    106. AI research evidence record anthropic:42-15
    107. AI research evidence record anthropic:4-15
    108. AI research evidence record deepseek:c1
    109. AI research evidence record deepseek:c2
    110. AI research evidence record deepseek:c2
    111. AI research evidence record anthropic:14-1
    112. AI research evidence record anthropic:34-1
    113. AI research evidence record anthropic:35-5
    114. AI research evidence record openai:naic-au
    115. AI research evidence record grok:web:11
    116. AI research evidence record anthropic:14-1
    117. AI research evidence record kimi:guaranteedlifeinsured-3
    118. AI research evidence record anthropic:14-1
    119. AI research evidence record anthropic:34-1
    120. AI research evidence record deepseek:c2
    121. AI research evidence record kimi:emedicare-1
    122. AI research evidence record anthropic:41-2
    123. AI research evidence record anthropic:41-5

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
42
Ranking mentions
3 of 7
Platform share
43%
Final consensus rank
#6

Behind the findings

Platforms in this study

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

Source records

27 independent · 14 company-owned · 1 unclear

Evidence support

30 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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