Published consensus studies
Explore how AI platforms recommend life insurance coverage for specific needs. Each study explains its question, evidence, and limitations.
27 published studies
Prudential leads this 7-platform AI consensus index for life insurance after a DUI, with Banner Life the strongest alternative for older, isolated offenses and Mutual of Omaha the leading fallback for guaranteed-issue coverage.
Lincoln Financial leads a seven-platform AI consensus index of life insurance carriers for marijuana users, followed by Prudential and Mutual of Omaha. No carrier publishes a complete marijuana underwriting table, so frequency thresholds and product availability need written carrier confirmation.
Mutual of Omaha leads this 7-platform AI consensus index for no-exam life insurance after being declined, named by all 7 platforms. Gerber Life and AARP Level Benefit Term Life by New York Life are the strongest alternatives for guaranteed acceptance and simplified-issue term needs.
Mutual of Omaha leads this 7-platform AI consensus index for life insurance after being declined, named by 5 of 7 platforms. Gerber Life ties on mentions, while Prudential, Transamerica, and Corebridge Financial fit other post-decline needs.
Prudential leads the 2026 AI consensus ranking for life insurance in high-risk occupations, named by 6 of 7 platforms. Banner Life is best for long level-premium terms, while Transamerica suits price-sensitive applicants in specific hazardous niches.
Prudential leads this 7-platform AI consensus index of life insurance for scuba divers, named by all seven platforms. Lincoln Financial, Principal Financial, Protective, and Banner Life follow, each fitting different diving depths, frequencies, and coverage needs.
Prudential leads this 7-platform AI consensus index of life insurance for private pilots, named by 6 of 7 platforms. Protective Life, Pacific Life, Banner Life, and Pilot Insurance Center also qualify among 10 entities.
Lincoln Financial is the consensus leader for life insurance for cigar smokers, named by all seven AI platforms studied. Prudential suits frequent or daily cigar users who may test positive for nicotine, and Banner Life suits occasional users seeking Preferred Plus Non-Tobacco pricing.
Prudential was named by all seven AI platforms studied for cigarette smokers, while State Farm had the best average listed position and is cited as cheapest or near-cheapest. Banner Life, Mutual of Omaha, and Guardian Life lead for term pricing, simplified issue, and high no-exam limits.
Prudential is the consensus leader for life insurance with bipolar disorder, named by 6 of 7 platforms (85.7% share) at an average listed position of 2.17 and a best position of 1. Banner Life (Legal & General America) is the strongest alternative for applicants who want published bipolar-specific underwriting…
Prudential is the consensus leader for life insurance for depression in this 7-platform study, named by all seven platforms with an average listed position of 1.57 and a best position of 1. Banner Life is the strongest alternative for applicants with mild, well-controlled depression who want the longest term-length…
Mutual of Omaha is the consensus leader for life insurance with epilepsy and seizure disorders, named by all 7 platforms studied (100.0% share) at an average listed position of 3.86, driven by its guaranteed-acceptance whole life option that requires no medical exam or health questions.
