Life Insurance
Consensus Index

AI Consensus Fit Review

Bestow No-Medical-Exam Term Life Insurance Fit Review

Bestow is a weak fit for a new 2026 no-medical-exam term life purchase.

Research: 2026-09-207 usable platform responsesRead the methodology ↗

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Answer Capsule

Bestow is a weak fit for a new 2026 no-medical-exam term life purchase. Three of seven platforms named Bestow during the ranking stage (google, kimi, openai), and the seven fit evaluations split sharply: anthropic rated it "strong," deepseek, google, and kimi rated it "good," perplexity rated it "mixed," and grok and openai rated it "weak." The strongest reason to consider it is the legacy product design: a fully digital, questionnaire-based simplified-issue term policy with no blood or urine testing and coverage up to $1.5 million. The main limitation is that Bestow's own FAQ states it sold its carrier in 2024, the carrier became Lantern Insurance Company, and Bestow now operates as a life-insurance technology platform rather than a direct seller.

Research Snapshot

FieldValue
Platform mentions in ranking stage3 of 7 platforms (google, kimi, openai)
Share of included platform responses42.9%
Average listed rank6.33
Best listed rank4 (google)
Relevant product/model/planBestow Term Life Insurance; legacy simplified-issue term now associated with Lantern Insurance Company and North American Company for Life and Health Insurance
Overall use-case fitStrong (1 platform); Good (3 platforms); Mixed (1 platform); Weak (2 platforms) — 7 platforms analyzed
Research date2026-09-20

Why Bestow Qualified for This Study

Questions This Section Answers

  • Why did Bestow qualify for a no-medical-exam term life insurance ranking if it no longer sells policies directly?
  • Is Bestow still a legitimate no-medical-exam term life insurance option in 2026?

Bestow qualified because it was named as a no-exam term life option by three of the seven platforms during ranking discovery, and because its legacy product was built specifically around the buyer profile in this study: a healthy consumer who wants term coverage without a paramedical exam involving blood or urine testing.

The legacy enrollment page states that the application asks lifestyle and health questions "to determine eligibility in order to avoid requiring a medical exam," and displays illustrative prices of $11 per month for an 18-year-old male rated Preferred Plus non-tobacco buying $100,000 for 10 years, and $20 per month as an estimate for a 32-year-old female rated Preferred Plus non-tobacco buying $500,000 for 20 years [1]. Independent reviews describe the same no-exam positioning and coverage up to $1.5 million [4].

Bestow's own FAQ states that it used to sell term life insurance directly, sold Bestow Life Insurance Company to Sammons Financial Group in 2024, and now operates as a life-insurance technology platform; the former carrier was renamed Lantern Insurance Company [7]. That transition is why the entity qualified for a no-exam study while simultaneously scoring weak on current purchase fit.

The Product, Model, Plan, or Service Most Relevant to No-Medical-Exam Term Life Insurance

Questions This Section Answers

  • Which Bestow or Lantern term life product should a no-medical-exam buyer actually apply for in 2026?
  • Does Bestow's no-medical-exam term life insurance still issue new policies, or is it only servicing existing ones?

The relevant product is legacy Bestow Term Life Insurance, a simplified-issue term policy historically underwritten by North American Company for Life and Health Insurance and now associated with Lantern Insurance Company [10]. It is not a currently confirmed Bestow-branded new-business product.

Platforms described the product differently. Anthropic and deepseek described it as Bestow term life issued by North American Company [10]. Google described the consumer-facing product as "Lantern Term Life Insurance (formerly Bestow)" and reported that Bestow's enrollment link redirects to Lantern [13]. OpenAI described it as legacy simplified-issue term life issued by Bestow Life Insurance Company, now associated with Lantern [15]. Grok reported that Bestow no longer sells new policies and that new applications closed in August 2025 [16].

Reported coverage and term structure: $50,000 to $1.5 million in face amount, with 10-, 15-, 20-, 25-, and 30-year terms [18]. One source claimed coverage up to $3 million, which conflicts with the other reports and should be treated as unclear [21]. Issue ages were reported as 18 to 60, with term-specific age caps: 20-year terms limited to age 45 and 15-year terms to age 55 [22].

What the AI Platforms Agreed About

Questions This Section Answers

  • What do AI platforms agree on about Bestow's no-medical-exam term life underwriting process?
  • Is Bestow's no-exam term life application actually fast and fully online?

Platforms agreed on the mechanics of the no-exam process and on the corporate transition, and disagreed on whether the product is currently purchasable.

Unanimous or near-unanimous points:

  • No paramedical exam, blood draw, or urine test for standard applications [27].
  • Health and lifestyle questions plus third-party electronic data instead of an exam [34].
  • Fast, fully online application with rapid or instant decisions for eligible applicants [39].
  • Bestow sold its carrier in 2024 and the carrier became Lantern Insurance Company [44].
  • No riders available on the legacy product [49].

Bestow's current platform materials report a five-minute median application submission and instant underwriting for a carrier-partner digital term product, but those are platform or partner results, not a guaranteed consumer outcome [43].

Where the AI Platforms Disagreed or Were Uncertain

Questions This Section Answers

  • Is Bestow or Lantern currently accepting new no-medical-exam term life applications in 2026?
  • How much does Bestow no-medical-exam term life insurance cost per month compared with other no-exam carriers?

The largest disagreement is whether a new buyer can purchase at all. Grok reported that new applications closed in August 2025 and that Lantern services existing policies only [54]. Perplexity reported one recent source stating new Bestow platform applications were discontinued around August 2025 while other sources still describe active enrollment, and rated the current status unclear [56]. OpenAI stated Bestow no longer sells term insurance directly and that current availability should be verified through Lantern [57]. Anthropic, deepseek, kimi, and google described the product as available or redirected to Lantern without confirming a closure [58].

Other unresolved conflicts:

  • Issuing entity: Bestow Life Insurance Company, Lantern Insurance Company, or North American Company for Life and Health Insurance [57].
  • Coverage ceiling: $1.5 million in most sources versus a $3 million claim in one [65].
  • Term availability: 10–30 years in most sources versus a report of only 10- and 30-year terms [67].
  • Pricing competitiveness: one independent analysis reported Bestow premiums roughly 57% above industry average for a 25-year-old male at $1 million for 20 years ($66 versus $42), while female pricing was near parity ($29 versus $28) [68]. Forbes reported rates higher than some competitors [71].
  • Age minimum: 18 in current sources versus 21 in older sources [72].
  • Approval rate: "about 90%" in one source versus "most applicants" elsewhere, not independently verified [74].

No current, buyer-specific premium quote was available from the sources reviewed, and no independent verification was found for current Lantern financial-strength ratings, current underwriting-data vendors, current coverage limits, or current rider availability.

Use-Case-Specific Features and Capabilities

Questions This Section Answers

  • What coverage amounts and term lengths does Bestow no-medical-exam term life insurance offer?
  • Does Bestow no-exam term life insurance include riders, conversion, or renewal options?

The legacy product matched the no-exam use case on process and coverage breadth, but lacked riders, conversion, and renewal.

CapabilityReported detailSource
Exam requirementNo blood, urine, or paramedical exam for standard applications
Underwriting inputsHealth questions, MIB, prescription history, DMV records, electronic health data
Coverage range$50,000 to $1.5 million
Term lengths10, 15, 20, 25, 30 years
Issue ages18 to 60, with term-specific caps
Decision speedMinutes to same-day for eligible applicants
RidersNone reported
Conversion to permanentNot available
Renewal at term endNot available; must reapply
Geographic limitsNot available in New York, Colorado, Maine; one source adds Puerto Rico
Free-look30-day cancellation window with refund reported

Underwriting is algorithmic rather than human-reviewed. One independent source noted that algorithmic underwriting may be less forgiving than human underwriters on edge cases such as high BMI from muscle mass, producing binary unfavorable decisions with no opportunity to explain circumstances [75]. Another reported that applicants with certain pre-existing conditions or a felony history are disqualified [76].

Pricing, Fees, Contracts, and Ongoing Costs

Questions This Section Answers

  • How much does Bestow no-medical-exam term life insurance cost per month, and are there application or exam fees?
  • Is Bestow no-exam term life insurance cheaper than a fully underwritten term policy for a healthy buyer?

Pricing is quote-based and not reliably verifiable for 2026. The only concrete figures come from the legacy enrollment page and are illustrative minimums, not current Lantern rates [79].

Reported cost structure:

  • Illustrative starting price of $11 per month for an 18-year-old male rated Preferred Plus non-tobacco, $100,000, 10-year term [80].
  • Illustrative $20 per month estimate for a 32-year-old female rated Preferred Plus non-tobacco, $500,000, 20-year term [81].
  • No application, medical-exam, lab, or underwriting fees identified in the sources checked.
  • Level premiums fixed for the selected term.
  • 30-day cancellation window with full refund reported [82].
  • No conversion or renewal at term end [83].

Competitiveness is contested. One independent analysis reported Bestow premiums roughly 57% above industry average for a 25-year-old male at $1 million for 20 years, with near parity for females [86]. Kimi reported that simplified-issue policies generally cost 15–30% more than fully underwritten traditional policies, citing a Bestow CEO statement that simplified issue can be twice as expensive as fully underwritten coverage [89]. Grok reported sample rates described as competitive for healthy non-smokers but higher than some competitors [91].

Pricing confidence is low across platforms. No current Lantern pricing was independently verified, and the legacy figures should not be treated as reliable evidence of current rates.

Best Suited For

Questions This Section Answers

  • Who is Bestow no-medical-exam term life insurance actually best for in 2026?
  • Is Bestow a good choice for a healthy 30-year-old who wants fast no-exam term coverage up to $1.5 million?

Bestow is best suited to two narrow groups, and neither is a standard new buyer.

First, existing Bestow policyholders seeking servicing or policy-access information. Second, consumers directed to the current Lantern application who specifically prioritize a digital, simplified-issue process over broad carrier comparison.

For a hypothetical new buyer, the legacy product profile fit healthy applicants aged roughly 18 to 55 who wanted a fully online application, coverage from $50,000 to $1.5 million, and were comfortable with data-driven underwriting using electronic health records, prescription histories, MIB records, and DMV data [92]. That profile is a historical match, not a confirmed current offer.

Probably Not Best Suited For

Questions This Section Answers

  • Who should not choose Bestow for no-medical-exam term life insurance?
  • Is Bestow no-exam term life insurance a bad choice for buyers who need riders or coverage above $1.5 million?

Bestow is probably not suited to buyers in these situations:

  • A new buyer who wants a currently confirmed Bestow-branded policy.
  • Buyers needing coverage above the legacy $1.5 million limit.
  • Buyers wanting riders such as accidental death, child term, or waiver of premium [94].
  • Buyers wanting conversion to permanent coverage or renewal at term end [97].
  • Applicants over age 60, who are ineligible [100].
  • Applicants with significant medical history or certain pre-existing conditions [102].
  • Applicants with a felony history, reported as an automatic disqualifier [104].
  • Residents of New York, Colorado, and Maine, and per one source Puerto Rico [105].
  • Buyers willing to complete a paramedical exam in exchange for potentially broader underwriting access or better preferred pricing.

When Another Option May Be Better

Questions This Section Answers

  • What is a better alternative to Bestow for a buyer who needs more than $1.5 million in no-exam term coverage?
  • Should a healthy buyer choose a fully underwritten term policy instead of Bestow no-exam coverage?

Another option may be better in these cases:

  • The buyer needs a confirmed new-business application, current quote, and direct comparison of multiple insurers; a currently active no-exam carrier or marketplace is more appropriate.
  • The buyer needs coverage above $1.5 million; competitors were reported to offer $2–3 million without exam [108].
  • The buyer is in excellent health and wants the lowest premium; traditional medical-exam carriers were reported to offer lower rates for preferred profiles, with underwriting taking 2–6 weeks.
  • The buyer wants riders, permanent coverage, or conversion options.
  • The buyer is over 60 or has chronic health issues requiring manual underwriting.
  • The buyer wants to compare rates across multiple no-exam carriers; a broker or aggregator may be more efficient than a single brand.

One 2026 independent comparison identified Nationwide, Banner Life, and Transamerica among leading no-exam options and reported comparative coverage and pricing observations [109]. Kimi named Symetra, Ethos, Banner Life, and Lincoln Financial as accelerated-underwriting alternatives at standard no-exam rates.

Questions to Verify Before Buying

Questions This Section Answers

  • What should a buyer confirm with Bestow or Lantern before signing a no-medical-exam term life contract?
  • Which legal insurer will issue the policy, and is the application open in my state?

Verify these items directly with the carrier before paying:

  1. Will the policy be issued by Lantern Insurance Company, North American Company for Life and Health Insurance, or another legal insurer ?
  2. Is the application accepting new business in your state, including New York, Colorado, and Maine ?
  3. What are the current minimum and maximum face amounts and available term lengths for your age ?
  4. Which data sources will be searched: MIB, prescription databases, electronic health records, credit or consumer databases, motor-vehicle records ?
  5. Can the insurer request blood, urine, an attending-physician statement, or a paramedical exam after the initial application ?
  6. What are the exact quoted premium, underwriting class, premium-guarantee period, payment options, and any fees ?
  7. Does the policy include conversion, accelerated-death-benefit, waiver-of-premium, child, spouse, or other riders ?
  8. What are the contestability, suicide, misrepresentation, exclusion, grace-period, reinstatement, cancellation, and free-look provisions ?
  9. What is the insurer's current financial-strength rating, and who handles billing, policy service, and claims ?
  10. Can you receive the policy form, illustration, privacy notice, data-consent language, and adverse-action procedure before paying ?

Final AI Consensus Verdict

Bestow is a weak fit for a new 2026 no-medical-exam term life purchase under this study's use case. The legacy product was well aligned with the buyer profile, but Bestow's official materials now identify it as a technology provider and state that the former carrier became Lantern Insurance Company [110].

Platform fit ratings split: anthropic "strong," deepseek, google, and kimi "good," perplexity "mixed," grok and openai "weak." That split reflects a genuine factual conflict rather than a difference of opinion about quality. Platforms that evaluated the legacy product design rated it favorably; platforms that evaluated current availability rated it weak or mixed.

A buyer should treat Bestow as a historical product pathway, obtain a current Lantern quote and policy documents, and compare active no-exam carriers before purchasing. AI-platform agreement on the legacy process does not establish product quality, current pricing, or current availability.

How This Review Was Produced

This review aggregates fit evaluations from seven AI platforms that were asked which life insurance carriers they would recommend for a healthy consumer seeking No-Medical-Exam Term Life Insurance. Three of the seven platforms named Bestow during ranking discovery: google (rank 4), openai (rank 7), and kimi (rank 8). All seven platforms produced a fit evaluation for Bestow.

Platform research dates differ from the authoritative run date of 2026-09-20. Anthropic, google, grok, kimi, openai, and perplexity reported 2026-09-21; deepseek reported 2026-02-24. Platform-reported dates are provenance metadata and do not independently prove freshness.

Deepseek ran with search disabled, so its claims are platform-reported rather than retrieved. All platform outputs carry a verification status of platform-reported, not independently verified.

Methodology Limitations

  • Platform mentions count only platforms that named Bestow during ranking discovery, not all platforms that evaluated fit.
  • Citations are platform-reported evidence, not independently verified facts.
  • The supplied URLs were collected from platform responses and were not independently validated by the writer stage.
  • Conflicting product names, pricing, and capabilities were not resolved by guessing; conflicts are described and buyers are directed to verify.
  • No current, buyer-specific premium quote was available from the sources reviewed.
  • No independent verification was found for current Lantern financial-strength ratings, current underwriting-data vendors, current coverage limits, or current rider availability.
  • Legacy public pricing and coverage details may not apply to Lantern.
  • A no-exam application can still require detailed health disclosures and third-party-data authorization; it does not mean guaranteed approval or a guaranteed preferred rate.
  • Platform-reported research dates differ from the authoritative run date.
  • No-search model claims require explicit verification before being described as current facts.
From the index

Compare the adjacent findings before forming a view.

Sources

Company-Owned Sources

  • Enroll | Bestow: https://app.bestow.com/enroll
  • Bestow - How It Works: https://bestow.com/how-it-works/
  • Bestow - Term Life Insurance: https://bestow.com/term-life-insurance/
  • Lantern Insurance Company: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQEgQ6JZX_3BjvSy6BMEL2hEWLoisLtDKveVVVk_HXrG0iWkn5lDdH1iCHViZcnz5T2Bvch-EMS4ZiQuMunQgmUY12aJWH7Lu6bXIlrfz786fFk5zAlPvic=
  • Why carriers choose Bestow: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQGsUdiFB2ZT9LBzUPflhR8XTKV-TzM9PDUa6jE2s6ZM-X2pVJoIgNiNJ0ToGnUQKz95gihvCw5iFFmHHVzf5VnkKV_dqCkFB2o5gvKMHlodTTMY_eq2W4M8JGXGXRPnl7dBbPnn-AD5
  • Bestow: Enroll: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHad1051i7V8RY2oObT1qFDw74D1BG9x8W1nZpA7NYZs1Cm4lfvC6ZroAc2JNMmakI8wk3XzOxL_CmgMlp6ZzXa2Uq_rQOl_LUz7nnYtA==
  • Lantern Insurance Company - Sammons Financial Group: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHVL4EJFcPm-Ah_BU7-EeZHJe7ROlrCCFsNqjb2WQ9qr5znAS0jETDgnWz_QczaDDVX21CDyYXFRCXr476Xx4lJaONWCP43snM5Cfv7kYsTPqPpeQfXcElM-Y6iBxUvilYgoXUuZTzV50mx5k_Ay6KErR26MJhSTTfM10Qs_988QPKfoiGXd4zNklA=
  • Bestow: https://www.bestow.com/
  • D2C Growth | Bestow: https://www.bestow.com/case-study/d2c-growth
  • Frequently Asked Questions | Bestow: https://www.bestow.com/faq
  • Top Questions About Lantern Answered: https://www.lanterninsurance.com/learning-center/top-questions-about-lantern-answered
  • North American Company - About: https://www.nacolah.com/
  • Official pricing and terms source: https://www.bestow.com/terms-conditions
  • Additional AI research evidence112 records
    1. AI research evidence record openai:c2
    2. AI research evidence record anthropic:20-1
    3. AI research evidence record anthropic:20-2
    4. AI research evidence record anthropic:4-1
    5. AI research evidence record anthropic:3-8
    6. AI research evidence record perplexity:c1
    7. AI research evidence record openai:c1
    8. AI research evidence record anthropic:11-1
    9. AI research evidence record anthropic:11-2
    10. AI research evidence record anthropic:1-8
    11. AI research evidence record anthropic:7-1
    12. AI research evidence record deepseek:c3
    13. AI research evidence record google:bestow_enroll_page
    14. AI research evidence record google:lantern_acquisition
    15. AI research evidence record openai:c1
    16. AI research evidence record grok:web:0
    17. AI research evidence record grok:web:10
    18. AI research evidence record anthropic:4-1
    19. AI research evidence record anthropic:27-2
    20. AI research evidence record anthropic:3-8
    21. AI research evidence record perplexity:c6
    22. AI research evidence record anthropic:9-11
    23. AI research evidence record anthropic:9-12
    24. AI research evidence record anthropic:39-9
    25. AI research evidence record anthropic:39-11
    26. AI research evidence record google:lantern_review_jrc
    27. AI research evidence record openai:c2
    28. AI research evidence record anthropic:3-1
    29. AI research evidence record anthropic:10-3
    30. AI research evidence record deepseek:c1
    31. AI research evidence record perplexity:c2
    32. AI research evidence record grok:web:1
    33. AI research evidence record google:bestow_underwriting_pt
    34. AI research evidence record anthropic:7-19
    35. AI research evidence record anthropic:7-20
    36. AI research evidence record anthropic:32-6
    37. AI research evidence record anthropic:32-7
    38. AI research evidence record deepseek:c2
    39. AI research evidence record anthropic:3-7
    40. AI research evidence record anthropic:16-1
    41. AI research evidence record anthropic:23-4
    42. AI research evidence record perplexity:c7
    43. AI research evidence record openai:c5
    44. AI research evidence record openai:c1
    45. AI research evidence record anthropic:11-1
    46. AI research evidence record anthropic:12-2
    47. AI research evidence record google:lantern_acquisition
    48. AI research evidence record grok:web:0
    49. AI research evidence record anthropic:4-3
    50. AI research evidence record anthropic:45-6
    51. AI research evidence record anthropic:45-7
    52. AI research evidence record openai:c4
    53. AI research evidence record google:lantern_review_2026
    54. AI research evidence record grok:web:0
    55. AI research evidence record grok:web:10
    56. AI research evidence record perplexity:c13
    57. AI research evidence record openai:c1
    58. AI research evidence record anthropic:16-1
    59. AI research evidence record deepseek:c1
    60. AI research evidence record kimi:insuranceclarify-1
    61. AI research evidence record google:bestow_enroll_page
    62. AI research evidence record anthropic:1-8
    63. AI research evidence record deepseek:c3
    64. AI research evidence record google:lantern_acquisition
    65. AI research evidence record anthropic:4-1
    66. AI research evidence record perplexity:c6
    67. AI research evidence record google:lantern_review_jrc
    68. AI research evidence record anthropic:21-5
    69. AI research evidence record anthropic:21-6
    70. AI research evidence record anthropic:21-8
    71. AI research evidence record grok:web:1
    72. AI research evidence record anthropic:40-1
    73. AI research evidence record anthropic:9-11
    74. AI research evidence record anthropic:42-10
    75. AI research evidence record kimi:insurancebyheroes-1
    76. AI research evidence record anthropic:9-13
    77. AI research evidence record anthropic:9-14
    78. AI research evidence record anthropic:42-13
    79. AI research evidence record openai:c2
    80. AI research evidence record anthropic:20-1
    81. AI research evidence record anthropic:20-2
    82. AI research evidence record anthropic:39-17
    83. AI research evidence record anthropic:13-4
    84. AI research evidence record anthropic:45-8
    85. AI research evidence record anthropic:45-9
    86. AI research evidence record anthropic:21-5
    87. AI research evidence record anthropic:21-6
    88. AI research evidence record anthropic:21-8
    89. AI research evidence record kimi:insuranceclarify-1
    90. AI research evidence record anthropic:36-1
    91. AI research evidence record grok:web:1
    92. AI research evidence record anthropic:7-19
    93. AI research evidence record anthropic:7-20
    94. AI research evidence record anthropic:4-3
    95. AI research evidence record anthropic:45-6
    96. AI research evidence record anthropic:45-7
    97. AI research evidence record anthropic:13-4
    98. AI research evidence record anthropic:45-8
    99. AI research evidence record anthropic:45-9
    100. AI research evidence record anthropic:4-2
    101. AI research evidence record anthropic:9-11
    102. AI research evidence record anthropic:9-13
    103. AI research evidence record anthropic:9-14
    104. AI research evidence record anthropic:42-13
    105. AI research evidence record openai:c2
    106. AI research evidence record anthropic:31-3
    107. AI research evidence record google:lantern_home_page
    108. AI research evidence record anthropic:2-1
    109. AI research evidence record openai:c7
    110. AI research evidence record openai:c1
    111. AI research evidence record anthropic:11-1
    112. AI research evidence record google:lantern_acquisition

Independent Sources

Other Sources

  • Say Hello to Bestow: https://www.gbslife.com/media/29359/bestow-agent-guide-handbook-30521.pdf
  • Additional AI research evidence112 records
    1. AI research evidence record openai:c2
    2. AI research evidence record anthropic:20-1
    3. AI research evidence record anthropic:20-2
    4. AI research evidence record anthropic:4-1
    5. AI research evidence record anthropic:3-8
    6. AI research evidence record perplexity:c1
    7. AI research evidence record openai:c1
    8. AI research evidence record anthropic:11-1
    9. AI research evidence record anthropic:11-2
    10. AI research evidence record anthropic:1-8
    11. AI research evidence record anthropic:7-1
    12. AI research evidence record deepseek:c3
    13. AI research evidence record google:bestow_enroll_page
    14. AI research evidence record google:lantern_acquisition
    15. AI research evidence record openai:c1
    16. AI research evidence record grok:web:0
    17. AI research evidence record grok:web:10
    18. AI research evidence record anthropic:4-1
    19. AI research evidence record anthropic:27-2
    20. AI research evidence record anthropic:3-8
    21. AI research evidence record perplexity:c6
    22. AI research evidence record anthropic:9-11
    23. AI research evidence record anthropic:9-12
    24. AI research evidence record anthropic:39-9
    25. AI research evidence record anthropic:39-11
    26. AI research evidence record google:lantern_review_jrc
    27. AI research evidence record openai:c2
    28. AI research evidence record anthropic:3-1
    29. AI research evidence record anthropic:10-3
    30. AI research evidence record deepseek:c1
    31. AI research evidence record perplexity:c2
    32. AI research evidence record grok:web:1
    33. AI research evidence record google:bestow_underwriting_pt
    34. AI research evidence record anthropic:7-19
    35. AI research evidence record anthropic:7-20
    36. AI research evidence record anthropic:32-6
    37. AI research evidence record anthropic:32-7
    38. AI research evidence record deepseek:c2
    39. AI research evidence record anthropic:3-7
    40. AI research evidence record anthropic:16-1
    41. AI research evidence record anthropic:23-4
    42. AI research evidence record perplexity:c7
    43. AI research evidence record openai:c5
    44. AI research evidence record openai:c1
    45. AI research evidence record anthropic:11-1
    46. AI research evidence record anthropic:12-2
    47. AI research evidence record google:lantern_acquisition
    48. AI research evidence record grok:web:0
    49. AI research evidence record anthropic:4-3
    50. AI research evidence record anthropic:45-6
    51. AI research evidence record anthropic:45-7
    52. AI research evidence record openai:c4
    53. AI research evidence record google:lantern_review_2026
    54. AI research evidence record grok:web:0
    55. AI research evidence record grok:web:10
    56. AI research evidence record perplexity:c13
    57. AI research evidence record openai:c1
    58. AI research evidence record anthropic:16-1
    59. AI research evidence record deepseek:c1
    60. AI research evidence record kimi:insuranceclarify-1
    61. AI research evidence record google:bestow_enroll_page
    62. AI research evidence record anthropic:1-8
    63. AI research evidence record deepseek:c3
    64. AI research evidence record google:lantern_acquisition
    65. AI research evidence record anthropic:4-1
    66. AI research evidence record perplexity:c6
    67. AI research evidence record google:lantern_review_jrc
    68. AI research evidence record anthropic:21-5
    69. AI research evidence record anthropic:21-6
    70. AI research evidence record anthropic:21-8
    71. AI research evidence record grok:web:1
    72. AI research evidence record anthropic:40-1
    73. AI research evidence record anthropic:9-11
    74. AI research evidence record anthropic:42-10
    75. AI research evidence record kimi:insurancebyheroes-1
    76. AI research evidence record anthropic:9-13
    77. AI research evidence record anthropic:9-14
    78. AI research evidence record anthropic:42-13
    79. AI research evidence record openai:c2
    80. AI research evidence record anthropic:20-1
    81. AI research evidence record anthropic:20-2
    82. AI research evidence record anthropic:39-17
    83. AI research evidence record anthropic:13-4
    84. AI research evidence record anthropic:45-8
    85. AI research evidence record anthropic:45-9
    86. AI research evidence record anthropic:21-5
    87. AI research evidence record anthropic:21-6
    88. AI research evidence record anthropic:21-8
    89. AI research evidence record kimi:insuranceclarify-1
    90. AI research evidence record anthropic:36-1
    91. AI research evidence record grok:web:1
    92. AI research evidence record anthropic:7-19
    93. AI research evidence record anthropic:7-20
    94. AI research evidence record anthropic:4-3
    95. AI research evidence record anthropic:45-6
    96. AI research evidence record anthropic:45-7
    97. AI research evidence record anthropic:13-4
    98. AI research evidence record anthropic:45-8
    99. AI research evidence record anthropic:45-9
    100. AI research evidence record anthropic:4-2
    101. AI research evidence record anthropic:9-11
    102. AI research evidence record anthropic:9-13
    103. AI research evidence record anthropic:9-14
    104. AI research evidence record anthropic:42-13
    105. AI research evidence record openai:c2
    106. AI research evidence record anthropic:31-3
    107. AI research evidence record google:lantern_home_page
    108. AI research evidence record anthropic:2-1
    109. AI research evidence record openai:c7
    110. AI research evidence record openai:c1
    111. AI research evidence record anthropic:11-1
    112. AI research evidence record google:lantern_acquisition

Verify this research

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

Study date
September 20, 2026
Platforms analyzed
7
Source records
55
Ranking mentions
3 of 7
Platform share
43%
Final consensus rank
#8

Behind the findings

Platforms in this study

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

Source records

41 independent · 13 company-owned · 1 unclear

Evidence support

40 direct · 13 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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