Life Insurance
Consensus Index

AI Consensus Fit Review

Mutual of Omaha No-Exam Life Insurance After Being Declined Fit Review

Mutual of Omaha is a mixed-to-good fit for No-Exam Life Insurance After Being Declined.

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

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Answer Capsule

Mutual of Omaha is a mixed-to-good fit for No-Exam Life Insurance After Being Declined. All 7 platforms named it in the ranking stage, and it finished first overall with an average listed rank of 1.29. Its strongest asset is Guaranteed Whole Life, a true guaranteed-issue policy with no health questions, no exam, and no MIB pull for ages 45–85 [1]. The main limitation is that this product caps at roughly $25,000, carries a two-year graded death benefit for natural-cause deaths, and costs more per dollar than underwritten coverage [4]. Simplified-issue Express products are not guaranteed and exclude applicants previously declined by United of Omaha [6].

Research Snapshot

FieldFinding
Platform mentions in ranking stage7 of 7 included platforms (anthropic, deepseek, google, grok, kimi, openai, perplexity)
Share of included platform responses100%
Average listed rank1.29
Best listed rank1
Relevant product/model/planGuaranteed Whole Life / Guaranteed Issue Whole Life (underwritten by United of Omaha Life Insurance Company); Living Promise simplified-issue whole life; Term Life Express simplified-issue term
Overall use-case fitMixed to good — strong for guaranteed-issue final expense, weaker for larger coverage or after a United of Omaha decline
Research date2026-09-22

Why Mutual of Omaha Qualified for This Study

Questions This Section Answers

  • Why did Mutual of Omaha qualify for this no-exam life insurance after being declined study?
  • How many AI platforms named Mutual of Omaha for no-exam coverage after a decline?

Mutual of Omaha qualified because every included platform named it during ranking discovery, and it placed first on six of seven platforms (anthropic, google, grok, kimi, openai, perplexity), with deepseek listing it third. That produced an average listed rank of 1.29 and a 100% platform share.

The qualification is substantive, not just brand recognition. Mutual of Omaha publishes a dedicated no-medical-exam page describing guaranteed whole life as requiring no medical exam or health questions [7]. Its producer materials document simplified-issue underwriting steps, coverage ranges, and state variation [10]. Independent reviewers separately describe the guaranteed-issue product as designed for people declined in the past [12].

Platform fit ratings split: deepseek, google, and kimi rated the fit "strong"; anthropic and grok rated it "good"; openai and perplexity rated it "mixed." That spread is itself a finding — the product line contains both a guaranteed-acceptance path and underwriting-dependent paths, and platforms weighted those differently.

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

Questions This Section Answers

  • Which Mutual of Omaha plan is best for a buyer who was declined and needs guaranteed acceptance with no health questions?
  • Is Mutual of Omaha Living Promise a good choice after a decline, or does it still require underwriting?
  • How much coverage can a declined applicant get from Mutual of Omaha Guaranteed Whole Life?

The single most relevant product is Guaranteed Whole life insurance, underwritten by United of Omaha Life Insurance Company. It is the only Mutual of Omaha option in this research that is described as requiring no medical exam, no health questions, and no medical underwriting [14]. Independent sources add that no MIB database pull is performed [17].

Two secondary products appear repeatedly but are not guaranteed acceptance:

  • Living Promise Whole Life (simplified issue) — uses 5–7 yes/no health questions, can approve or decline, and offers Level (full benefit day one) or Graded (two-year limited benefit) tiers [19].
  • Term Life Express (simplified issue term) — no-exam term with a health questionnaire and electronic prescription/MIB checks; approval is all-or-nothing with no graded tier [22].

A critical constraint: Mutual of Omaha's simplified-issue underwriting guide states that an individual previously declined by United of Omaha Life Insurance Company will not qualify for Express products [25]. That means a prior decline by the issuing entity can close off the higher-coverage simplified-issue path and leave Guaranteed Whole Life as the remaining option.

Product naming is inconsistent across platforms. The supplied product lists include "Guaranteed Issue Whole Life," "Guaranteed Whole Life," "Living Promise Final Expense Whole Life," and "Guaranteed Advantage" [26]. Buyers should confirm the exact consumer-facing product name and policy form on the application rather than relying on marketing labels.

What the AI Platforms Agreed About

Questions This Section Answers

  • Do all AI platforms agree that Mutual of Omaha Guaranteed Whole Life requires no health questions or exam?
  • What coverage limit and waiting period do AI platforms agree apply to Mutual of Omaha guaranteed-issue coverage?

Agreement was unanimous or near-unanimous on several points.

Guaranteed acceptance exists and is real. All seven platforms identified a Mutual of Omaha product with no health questions and no exam for declined applicants [27].

Coverage is capped near $25,000. Deepseek, kimi, google, grok, and openai all cite a $25,000 maximum for the guaranteed-issue product [34]. This is the most consistent quantitative finding in the research.

A two-year graded benefit applies. Platforms agree that natural-cause death in the first two years returns premiums plus interest rather than the full face amount, while accidental death pays full benefit from day one [27].

Premiums are higher per dollar than underwritten coverage. Multiple platforms state guaranteed-issue costs more than simplified issue, which costs more than fully underwritten coverage [29].

The carrier is financially strong. Anthropic cites A+ from A.M. Best, A+ from S&P Global, and A1 from Moody's [41]; deepseek and kimi cite an A+ A.M. Best rating [34].

Where the AI Platforms Disagreed or Were Uncertain

Questions This Section Answers

  • Does Mutual of Omaha Guaranteed Whole Life build cash value, and why do AI platforms disagree?
  • What is the exact graded-benefit payout on Mutual of Omaha guaranteed-issue coverage, and why do sources conflict?

Disagreement clustered around four issues.

Cash value. Google states the guaranteed-issue policy builds borrowable cash value at a standard loan rate [42], and deepseek and kimi describe tax-deferred cash value accumulation [44]. Google also notes that some general consumer articles assert guaranteed-issue policies never accumulate cash value, which conflicts with Mutual of Omaha's own policy details [42]. Anthropic cites a 5.66% fixed interest rate from company materials but notes independent sources do not consistently confirm it [46].

Graded-benefit payout formula. Sources describe the payout as "premiums paid plus 10%," "110% of premiums," and "premiums plus 5–10% interest" interchangeably [47]. The exact calculation must be verified in policy documents.

Living Promise coverage range. Anthropic cites $2,000–$40,000 [51]; grok cites $2,000–$50,000 [52]; openai's underwriting guide cites roughly $2,000–$50,000 level and $2,000–$20,000 graded [53]. These ranges appear to vary by tier, state, and material date.

New York age limits. Most platforms cite ages 45–85 nationally and 50–75 in New York [54]. Google notes New York's maximum age is listed as 75 in some disclosures and 80 in others [58]. One anthropic source states Guaranteed Whole Life is not available in New York at all [54], while others describe a restricted New York range — a direct conflict buyers in New York must resolve with the company.

Pricing transparency. Perplexity reported low pricing confidence and found no verified public price for the exact products named [59]. OpenAI also reported low pricing confidence. Anthropic and google reported moderate-to-high confidence with example rates. This is a confidence gap, not necessarily a factual conflict.

Use-Case-Specific Features and Capabilities

Questions This Section Answers

  • What features does Mutual of Omaha Guaranteed Whole Life offer a buyer who was declined for traditional coverage?
  • How fast does Mutual of Omaha approve no-exam life insurance applications after a decline?

Guaranteed acceptance. Guaranteed Whole Life accepts applicants ages 45–85 regardless of health history, with no health questions and no exam [61]. Deepseek and kimi state no MIB pull is performed [62].

Age range. 45–85 nationally; New York restricted to 50–75 per most sources [65].

Coverage amounts. Guaranteed Whole Life: $2,000–$25,000 [68]. One source cites a $3,000 minimum and $5,000 minimum in Washington [70]. Living Promise: $2,000–$40,000 or $2,000–$50,000 depending on source and tier [71]. Term Life Express: $25,000–$550,000 depending on age, declining to $350,000 at ages 61–75 [73].

Waiting period. Two-year graded benefit on Guaranteed Whole Life and Living Promise Graded; accidental death covered from day one [61].

Premium structure. Premiums lock in at issue and never increase; death benefit never decreases on whole life products [77].

Riders and accelerated benefits. Accelerated Death Benefit for terminal illness or nursing home confinement included at no additional cost on whole life products [79]. Optional Accidental Death Benefit Rider available [80]. Term Life Express includes living benefits by default [81].

Approval speed. Term Life Express and Living Promise typically approve in 24–72 hours [82]. Guaranteed Whole Life offers an online quote and application [84]; Living Promise requires a licensed agent and Term Life Express requires a phone consultation [86].

Underwriting reality check. Simplified issue is not guaranteed issue. Living Promise and Express products may involve build information, prescription and medical-data checks, MIB review, motor-vehicle records, and possible phone interviews [88]. Term Life Express questions target serious conditions including cancer history, heart disease, stroke, COPD, and organ transplants [90].

Pricing, Fees, Contracts, and Ongoing Costs

Questions This Section Answers

  • How much does Mutual of Omaha Guaranteed Whole Life cost per month for a declined applicant?
  • What fees, waiting periods, and cancellation terms apply to Mutual of Omaha no-exam life insurance?

Pricing confidence is uneven across platforms. Anthropic reported moderate confidence, deepseek moderate, google high, grok moderate, kimi moderate, and openai and perplexity low [91].

Example rates reported by platforms:

ScenarioReported premiumSource
50-year-old female, $10,000 Guaranteed Whole Life~$32.46/month
60-year-old female, $10,000 Guaranteed Whole Life~$47.47/month
50-year-old female, $5,000 guaranteed issue~$16/month
50-year-old female, $25,000 guaranteed issue~$75/month
55-year-old female, $15,000 Living Promise Level~$40/month
65-year-old, $10,000 final expense~$45–60/month
60-year-old female, $10,000 Living Promise Level non-tobacco~$33/month
60-year-old male, $10,000 Living Promise Level non-tobacco~$43/month

These are platform-reported examples, not verified quotes. Actual premiums depend on age, gender, tobacco status, state, face amount, and payment mode.

Fees. A $60 annual policy fee is listed for Term Life Express in a producer product sheet [93]. Google cites a $12 annual policy fee for New York residents on the guaranteed product [94]. Deepseek notes an annual policy fee exists but the amount was not specified in public sources, and that it may be waived for AAA members [95]. Anthropic states no disclosed application or issuance fees and notes a possible $1 monthly discount for bank service plan election [96].

Contract terms. A 30-day free-look period applies to Guaranteed Whole Life [96]. Suicide exclusion applies during the first two years (one year in North Dakota and Minnesota) [94]. Two-year contestability is standard [97]. Policy loan interest rate is cited at 7.4% [98]. Whole life coverage persists for life as long as premiums are paid; Term Life Express coverage ends at term expiration with annual renewable term rates available afterward [99].

Cost trajectory. Deepseek warns that long-lived policyholders may pay more in total premiums than the death benefit on guaranteed-issue coverage [101]. Guaranteed issue is described as costing 30–75% more than simplified issue and several times more than fully underwritten coverage for the same amount [101].

Best Suited For

Questions This Section Answers

  • Who is Mutual of Omaha Guaranteed Whole Life best suited for after a life insurance decline?
  • Is Mutual of Omaha a good choice for a senior who needs final expense coverage and cannot pass underwriting?

Mutual of Omaha is best suited for applicants who need modest permanent coverage and cannot pass any health screening. The clearest fit is a consumer aged 45–85 who was declined for traditional coverage and needs final-expense protection in the $2,000–$25,000 range [102].

It also fits applicants who value carrier stability over lowest price. Anthropic cites A+ ratings from A.M. Best and S&P Global and A1 from Moody's, plus a #1 ranking in J.D. Power's 2025 U.S. Life Insurance Customer Satisfaction Study at 707 out of 1,000 [105].

A third fit is applicants with manageable health conditions who can answer health questions and may qualify for Living Promise Level at a lower premium with full day-one coverage [107]. Deepseek notes that conditions such as controlled high blood pressure, type 2 diabetes managed with oral medication, and mild obesity may still qualify for simplified issue [109].

Finally, it fits term-focused buyers aged 18–70 who want no-exam term coverage and can clear a health questionnaire [110].

Probably Not Best Suited For

Questions This Section Answers

  • Who should not choose Mutual of Omaha for no-exam life insurance after being declined?
  • Is Mutual of Omaha a bad choice for a buyer who needs more than $25,000 in coverage after a decline?

Buyers needing substantial coverage should look elsewhere. Guaranteed Whole Life caps at $25,000, which is final-expense scale, not income replacement [112].

Applicants previously declined by United of Omaha should not assume Express products remain available. The simplified-issue underwriting guide excludes them from Express products [115].

Applicants under 45 do not qualify for Guaranteed Whole Life, since the minimum age is 45 [116]. New York applicants above 75 face a lower age cap, and one source questions whether the product is available in New York at all [116].

Buyers who need full natural-cause coverage from day one should not choose the graded tier, because the first two years return premiums plus interest rather than the face amount [119].

Buyers prioritizing the lowest possible premium should compare simplified-issue and fully underwritten options first, since guaranteed issue is the most expensive tier per dollar of coverage [121].

When Another Option May Be Better

Questions This Section Answers

  • When is another carrier a better choice than Mutual of Omaha for no-exam coverage after a decline?
  • Should a declined buyer check simplified-issue carriers before choosing Mutual of Omaha guaranteed issue?

Another option may be better in five situations identified across platforms.

When a different guaranteed-issue carrier offers better terms. OpenAI notes a different insurer may offer guaranteed-issue whole life with a shorter limited-benefit period, higher limits, or lower quoted premiums [122].

When the decline was temporary or correctable. OpenAI and kimi both suggest an independent broker may obtain reconsideration or a specialized impaired-risk offer [122].

When the buyer can qualify for simplified issue elsewhere. Deepseek, kimi, and anthropic all recommend checking simplified-issue eligibility before defaulting to guaranteed issue, naming carriers such as Ethos, Fabric, and Bestow as alternatives [124].

When the buyer needs term coverage without the United of Omaha decline restriction. OpenAI notes another carrier may offer a no-exam term policy without that restriction [122].

When the buyer needs coverage above $25,000. Multiple platforms state that higher limits require a different carrier or a simplified-issue product [127].

Questions to Verify Before Buying

Questions This Section Answers

  • What should a buyer confirm with Mutual of Omaha before signing a no-exam life insurance contract after a decline?
  • Which legal entity issues Mutual of Omaha no-exam coverage in my state?

The platforms collectively generated a long verification list. The highest-value items:

  1. Which product is this? Confirm whether the application is for Guaranteed Whole Life (guaranteed issue) or Living Promise (simplified issue with health questions) [130].
  2. Which entity issues the policy? United of Omaha underwrites in most states; Companion Life Insurance Company is identified for New York in one source, and Mutual of Omaha Insurance Company in others [130].
  3. Does the prior decline bar this product? If the decline involved United of Omaha, Express products are excluded [134].
  4. What is the exact face-amount maximum for my age and state? Ranges vary by state and tier [130].
  5. What is the exact premium by payment mode? Monthly, quarterly, semiannual, and annual modes may differ [130].
  6. What is payable for accidental versus nonaccidental death in the first two years? Confirm the exact graded-benefit formula [136].
  7. What are the cash value, surrender value, and loan provisions? The 5.66% accumulation rate cited in company materials should be confirmed against the policy illustration [138].
  8. What is the free-look period and refund procedure? [140]
  9. Are premiums level for life, and what happens if a payment is missed? [130]
  10. Would another carrier provide a larger or less expensive policy after reviewing the actual reason for the prior decline? [130]

Final AI Consensus Verdict

Mutual of Omaha is a credible but conditional fit for no-exam life insurance after being declined. All 7 platforms named it, it averaged rank 1.29, and it placed first on six of seven platforms. The consensus strongest reason to consider it is Guaranteed Whole Life: a true guaranteed-issue policy with no health questions, no exam, and no MIB pull for ages 45–85 [143].

The consensus main limitation is scope. Coverage caps near $25,000, a two-year graded benefit applies to natural-cause deaths, premiums run higher per dollar than underwritten coverage, and the simplified-issue Express path is closed to applicants previously declined by United of Omaha [146].

Platform fit ratings split three ways: strong (deepseek, google, kimi), good (anthropic, grok), and mixed (openai, perplexity). That split reflects a real product-line distinction rather than a factual dispute — the guaranteed-issue product is a reliable fallback, while the simplified-issue products carry underwriting risk that a previously declined applicant may not clear. Buyers should verify state availability, exact product name, issuing entity, and graded-benefit terms before applying, and should check simplified-issue eligibility first to avoid overpaying for guaranteed issue.

For the full field of carriers evaluated for this buyer situation, see the No-Exam Life Insurance After Being Declined consensus index. Broader context on high-risk and health-condition underwriting is available in the life insurance category directory.

How This Review Was Produced

This review aggregates fit-research responses from 7 AI platforms (anthropic, deepseek, google, grok, kimi, openai, perplexity) collected on 2026-09-22. Each platform independently evaluated Mutual of Omaha against the use case "No-Exam Life Insurance After Being Declined" and returned a fit rating, product recommendations, use-case findings, pricing notes, limitations, and verification questions.

Ranking statistics reflect how many platforms named Mutual of Omaha during ranking discovery and where it placed. Fit ratings reflect each platform's own assessment. Citations reference the specific source each platform cited for a claim. All platform responses are labeled platform-reported and were not independently verified by the writer stage. The supplied URLs were collected from platform responses and were not independently validated.

Methodology Limitations

  • Platform-reported evidence is not independently verified fact. Citation IDs point to the source a platform cited, not to a claim this review confirmed.
  • Platform-reported research dates are provenance metadata and do not independently prove source freshness.
  • Platform mentions count only platforms that named Mutual of Omaha during ranking discovery; all included platforms evaluated fit.
  • Conflicting product names, coverage ranges, pricing, and state availability were preserved rather than resolved. Buyers must verify with the company.
  • No applicant-specific premium, state-specific availability, or underwriting decision was verifiable from public sources.
  • The research did not establish independent evidence of approval rates, comparative pricing, claims outcomes, or consumer satisfaction for applicants previously declined elsewhere.
  • Official-site retrieval failed for one or more mentions; no failed fetch was used as a verified domain key.
  • AI-platform agreement does not prove product quality, and no personal testing, customer experience, or independent verification was performed for this review.
From the index

Compare the adjacent findings before forming a view.

Sources

Company-Owned Sources

Independent Sources

Other Sources

  • Policy Details | Mutual of Omaha: https://www.mutualofomahalifeinsuranceplans.com/policy-details
  • Additional AI research evidence148 records
    1. AI research evidence record openai:c1
    2. AI research evidence record deepseek:c1
    3. AI research evidence record kimi:insurancegeek-1
    4. AI research evidence record deepseek:c2
    5. AI research evidence record kimi:money-1
    6. AI research evidence record openai:c2
    7. AI research evidence record openai:c1
    8. AI research evidence record anthropic:c2
    9. AI research evidence record perplexity:c1
    10. AI research evidence record openai:c2
    11. AI research evidence record perplexity:c2
    12. AI research evidence record google:1.1.5
    13. AI research evidence record deepseek:c1
    14. AI research evidence record openai:c1
    15. AI research evidence record anthropic:c4
    16. AI research evidence record google:1.1.5
    17. AI research evidence record deepseek:c1
    18. AI research evidence record kimi:insurancegeek-1
    19. AI research evidence record anthropic:c5
    20. AI research evidence record anthropic:c15
    21. AI research evidence record grok:0
    22. AI research evidence record anthropic:c3
    23. AI research evidence record anthropic:c17
    24. AI research evidence record anthropic:c22
    25. AI research evidence record openai:c2
    26. AI research evidence record google:1.1.6
    27. AI research evidence record openai:c1
    28. AI research evidence record anthropic:c1
    29. AI research evidence record deepseek:c1
    30. AI research evidence record google:1.1.5
    31. AI research evidence record grok:2
    32. AI research evidence record kimi:insurancegeek-1
    33. AI research evidence record perplexity:c1
    34. AI research evidence record deepseek:c2
    35. AI research evidence record kimi:money-1
    36. AI research evidence record google:1.1.7
    37. AI research evidence record anthropic:c14
    38. AI research evidence record deepseek:c5
    39. AI research evidence record kimi:wsj-1
    40. AI research evidence record anthropic:c30
    41. AI research evidence record anthropic:c42
    42. AI research evidence record google:1.2.4
    43. AI research evidence record google:1.2.7
    44. AI research evidence record deepseek:c7
    45. AI research evidence record kimi:aaa-1
    46. AI research evidence record anthropic:c35
    47. AI research evidence record anthropic:c14
    48. AI research evidence record google:1.2.2
    49. AI research evidence record deepseek:c5
    50. AI research evidence record kimi:wsj-1
    51. AI research evidence record anthropic:c8
    52. AI research evidence record grok:0
    53. AI research evidence record openai:c2
    54. AI research evidence record anthropic:c11
    55. AI research evidence record deepseek:c3
    56. AI research evidence record kimi:money-1
    57. AI research evidence record google:1.1.7
    58. AI research evidence record google:1.2.5
    59. AI research evidence record perplexity:c3
    60. AI research evidence record perplexity:c4
    61. AI research evidence record openai:c1
    62. AI research evidence record deepseek:c1
    63. AI research evidence record google:1.1.5
    64. AI research evidence record kimi:insurancegeek-1
    65. AI research evidence record anthropic:c11
    66. AI research evidence record deepseek:c3
    67. AI research evidence record kimi:money-1
    68. AI research evidence record anthropic:c7
    69. AI research evidence record deepseek:c2
    70. AI research evidence record google:1.2.2
    71. AI research evidence record anthropic:c8
    72. AI research evidence record grok:0
    73. AI research evidence record anthropic:c9
    74. AI research evidence record anthropic:c10
    75. AI research evidence record anthropic:c18
    76. AI research evidence record google:1.1.7
    77. AI research evidence record anthropic:c31
    78. AI research evidence record google:1.3.5
    79. AI research evidence record anthropic:c38
    80. AI research evidence record anthropic:c39
    81. AI research evidence record anthropic:c40
    82. AI research evidence record anthropic:c24
    83. AI research evidence record anthropic:c27
    84. AI research evidence record anthropic:c45
    85. AI research evidence record google:1.3.1
    86. AI research evidence record anthropic:c46
    87. AI research evidence record anthropic:c26
    88. AI research evidence record openai:c2
    89. AI research evidence record anthropic:c22
    90. AI research evidence record anthropic:c21
    91. AI research evidence record perplexity:c3
    92. AI research evidence record openai:c1
    93. AI research evidence record openai:c4
    94. AI research evidence record google:1.2.5
    95. AI research evidence record deepseek:c7
    96. AI research evidence record anthropic:c1
    97. AI research evidence record grok:0
    98. AI research evidence record google:1.2.7
    99. AI research evidence record anthropic:c33
    100. AI research evidence record anthropic:c34
    101. AI research evidence record deepseek:c1
    102. AI research evidence record openai:c1
    103. AI research evidence record deepseek:c1
    104. AI research evidence record kimi:money-1
    105. AI research evidence record anthropic:c42
    106. AI research evidence record anthropic:c43
    107. AI research evidence record anthropic:c15
    108. AI research evidence record grok:0
    109. AI research evidence record deepseek:c4
    110. AI research evidence record anthropic:c13
    111. AI research evidence record anthropic:c9
    112. AI research evidence record deepseek:c2
    113. AI research evidence record kimi:money-1
    114. AI research evidence record google:1.1.5
    115. AI research evidence record openai:c2
    116. AI research evidence record anthropic:c11
    117. AI research evidence record deepseek:c3
    118. AI research evidence record google:1.2.5
    119. AI research evidence record openai:c1
    120. AI research evidence record anthropic:c14
    121. AI research evidence record deepseek:c1
    122. AI research evidence record openai:c1
    123. AI research evidence record kimi:evolvelegacy-1
    124. AI research evidence record deepseek:c1
    125. AI research evidence record kimi:insuranceclarify-1
    126. AI research evidence record anthropic:c1
    127. AI research evidence record deepseek:c2
    128. AI research evidence record grok:2
    129. AI research evidence record perplexity:c1
    130. AI research evidence record openai:c1
    131. AI research evidence record perplexity:c3
    132. AI research evidence record anthropic:c44
    133. AI research evidence record perplexity:c11
    134. AI research evidence record openai:c2
    135. AI research evidence record anthropic:c8
    136. AI research evidence record anthropic:c14
    137. AI research evidence record google:1.2.2
    138. AI research evidence record anthropic:c35
    139. AI research evidence record google:1.2.7
    140. AI research evidence record anthropic:c1
    141. AI research evidence record anthropic:c31
    142. AI research evidence record kimi:evolvelegacy-1
    143. AI research evidence record openai:c1
    144. AI research evidence record deepseek:c1
    145. AI research evidence record kimi:insurancegeek-1
    146. AI research evidence record openai:c2
    147. AI research evidence record deepseek:c2
    148. AI research evidence record kimi:money-1

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
56
Ranking mentions
7 of 7
Platform share
100%
Final consensus rank
#1

Behind the findings

Platforms in this study

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

Source records

32 independent · 23 company-owned · 1 unclear

Evidence support

47 direct · 9 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.

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