Life Insurance
Consensus Index

AI Consensus Fit Review

State Farm Simplified-Issue Whole Life Insurance Fit Review

State Farm is a mixed fit for Simplified-Issue Whole Life Insurance.

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

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Answer Capsule

State Farm is a mixed fit for Simplified-Issue Whole Life Insurance. Three of seven platforms named State Farm during the ranking stage (43% of included platform responses), at an average listed rank of 5.67 and a best rank of 4. The strongest reason to consider State Farm is its permanent whole life structure — level premiums, guaranteed death benefit, cash value, and a highly rated carrier — plus a guaranteed-issue final expense option that requires no exam or health questions. The main limitation is that no platform could verify a clearly documented, stand-alone simplified-issue whole life product with a limited questionnaire and no traditional medical exam at moderate coverage amounts.

Research Snapshot

FieldFinding
Platform mentions in ranking stage3 of 7 platforms (anthropic, deepseek, google)
Share of included platform responses42.9%
Average listed rank5.67
Best listed rank4
Relevant product/model/planState Farm Whole Life Insurance; Guaranteed Issue Final Expense / Guaranteed Issue Whole Life; simplified underwriting availability unconfirmed
Overall use-case fitMixed (five platforms: mixed; one weak; two uncertain)
Research date2026-09-20

Why State Farm Qualified for This Study

Questions This Section Answers

  • Is State Farm a good choice for Simplified-Issue Whole Life Insurance?
  • Why did State Farm only appear in 3 of 7 AI platform rankings for simplified-issue whole life?

State Farm qualified because three platforms named it as a candidate carrier for simplified-issue whole life insurance, and all seven platforms produced a fit assessment for it. It is a large, long-established carrier with permanent whole life products, which matches the buyer's stated need for permanent coverage, clear guarantees, and a reputable carrier [1].

The ranking evidence is moderate, not strong. State Farm appeared in 3 of 7 platform ranking responses (42.9%), with an average listed rank of 5.67 and a best rank of 4. Four platforms — grok, kimi, perplexity, and openai — evaluated fit but did not name State Farm in their ranking stage.

Platform fit ratings were split: anthropic, deepseek, google, and openai rated State Farm a mixed fit; grok rated it weak; kimi and perplexity rated it uncertain. No platform rated it a strong fit for this specific use case.

The Product, Model, Plan, or Service Most Relevant to Simplified-Issue Whole Life Insurance

Questions This Section Answers

  • Which State Farm product is actually relevant for a buyer who wants simplified-issue whole life insurance?
  • Does State Farm offer a stand-alone simplified-issue whole life policy with a health questionnaire and no exam?

The most relevant State Farm product is its Guaranteed Issue Final Expense / Guaranteed Issue Whole Life policy, not a stand-alone simplified-issue whole life product. State Farm describes whole life as permanent coverage with level premiums, lifetime protection, cash value, and policy loans, with limited-pay and single-premium structures available [3].

The guaranteed-issue final expense product is the clearest no-exam path. It is described as accepting applicants without a medical exam or health questions, with coverage of roughly $10,000–$15,000 and a two-year graded benefit for natural-cause deaths [7].

Platforms disagreed on whether a true simplified-issue whole life product exists. Anthropic described a simplified-issue option involving no medical exam and only a health questionnaire, limited to $50,000 for ages 16–45 [13]. Kimi named a "State Farm Simplified Whole Life" product but could not verify its specifications [15]. Perplexity found that public State Farm sources show whole life and guaranteed-issue final expense but not a plainly labeled simplified-issue whole life offering [4]. Grok stated State Farm does not offer a dedicated simplified-issue whole life policy with health questions and no exam for moderate coverage amounts [18].

What the AI Platforms Agreed About

Questions This Section Answers

  • What do AI platforms agree on about State Farm whole life insurance for simplified-issue buyers?
  • Is State Farm's whole life coverage permanent with level premiums and cash value?

Platforms agreed on several points. State Farm sells permanent whole life insurance with lifetime coverage, level premiums, and cash value accumulation [20].

Platforms also agreed that State Farm's guaranteed-issue final expense product requires no medical exam or health questions and carries a two-year graded benefit for natural-cause deaths [25].

Platforms agreed that State Farm is a reputable, financially strong carrier. Anthropic cited an A+ AM Best rating and $130 billion of individual life insurance issued in 2025 [30]. Google cited an A++ AM Best rating [32]. Deepseek cited high financial-strength ratings [33]. Note that these ratings conflict across platforms and should be verified.

Platforms agreed that State Farm distributes life insurance exclusively through licensed agents, with no direct-to-consumer online application path [34].

Where the AI Platforms Disagreed or Were Uncertain

Questions This Section Answers

  • Is State Farm's simplified-issue whole life product real, or is it only guaranteed-issue final expense?
  • What coverage limits and ages apply to State Farm's simplified-issue whole life options?

The central disagreement is whether State Farm offers a true simplified-issue whole life product at all. Anthropic described a simplified-issue option with a health questionnaire and no exam, capped at $50,000 for ages 16–45 [37]. Grok stated the opposite — that no simplified-issue whole life product with health questions exists above final expense limits [39]. Perplexity and kimi both concluded the product is unverified in public sources [41].

Coverage limits conflict. Anthropic listed the guaranteed-issue maximum as $10,000–$15,000 [44]. Google listed $10,000–$15,000, restricted to exactly $10,000 in New York [46]. Grok listed $10,000–$15,000 [40]. Perplexity noted third-party summaries conflict on whether the small final-expense product is simplified issue or guaranteed issue [48].

Age eligibility also conflicts. Anthropic listed guaranteed-issue final expense at ages 45–80, or 50–75 in New York [50]. Google listed ages 45–80 with New York exceptions [47]. Grok listed ages 45–80 except New York at 50–75 [40].

Pricing transparency is a shared limitation. OpenAI, deepseek, and perplexity all reported that no verified public premium schedule exists for State Farm simplified-issue whole life [52].

Use-Case-Specific Features and Capabilities

Questions This Section Answers

  • What features does State Farm whole life offer a simplified-issue buyer, such as cash value and policy loans?
  • Can a State Farm term policy be converted to permanent coverage without a new medical exam?

State Farm whole life provides level premiums, a guaranteed death benefit when required premiums are paid, and tax-deferred cash value accumulation [54]. Policyholders can borrow against cash value through policy loans, which accrue interest and reduce the death benefit and cash value if unpaid [57].

Payment structures include single premium, premiums payable to age 100, and limited-pay periods of 10, 15, or 20 years [54].

A no-exam conversion path exists. State Farm says most term policies may be converted to permanent coverage without evidence of insurability during the level-term period and before age 75, subject to policy terms and new premiums [61]. Anthropic described an Instant Answer Term policy for ages 16–45 with a health questionnaire but no exam, convertible to permanent coverage without new underwriting [62].

Dividends are not guaranteed. State Farm paid $924 million in total dividends to life policyholders in 2025, an all-time high, but individual dividends vary and are not guaranteed [64].

Rider availability is limited. Anthropic reported Waiver of Premium, Guaranteed Insurability, and Children's Term riders, with no terminal or critical illness riders offered [65].

Pricing, Fees, Contracts, and Ongoing Costs

Questions This Section Answers

  • How much does State Farm simplified-issue whole life cost per month, and are there setup or cancellation fees?
  • Is State Farm cheaper or more expensive than other carriers for simplified-issue whole life insurance?

State Farm does not publish whole life or simplified-issue premium rates online, so no verified applicant-specific premium exists [66]. Pricing confidence was rated low by openai, deepseek, perplexity, and kimi.

Anthropic reported sample ranges: a healthy 30-year-old at $30–$70/month for $100,000; a healthy 45-year-old at $80–$150/month for $100,000; seniors 60+ at $100–$250+/month for $50,000; and guaranteed-issue final expense at roughly $65/month for $10,000 at age 65 [69]. Google reported higher-confidence figures: $10,000 coverage for a 65-year-old male at about $80.86/month; $15,000 for a 73-year-old female at about $148.92/month; and $15,000 for an 80-year-old female at about $226.82/month [70].

Anthropic reported that State Farm premiums typically run 8–20% above competitors such as Banner Life and Transamerica, citing a 40-year-old nonsmoking male paying $66/month for a $500,000 20-year term versus $46/month elsewhere [69].

No product-specific application fee or separate medical-exam fee was publicly verified [66]. Policy loans accrue interest and reduce death benefit and cash value if unpaid [66]. Coverage can lapse if required premiums are not paid, and surrender options depend on the policy contract [66]. A standard 10-to-30 day free-look period applies by state [74].

Best Suited For

Questions This Section Answers

  • Who is State Farm best suited for when shopping for simplified-issue whole life insurance?
  • Is State Farm a good fit for a senior who wants final expense coverage with no medical exam?

State Farm is best suited for buyers who want permanent coverage, level premiums, cash value, and an established carrier, and who are willing to work through a State Farm agent [76].

It fits seniors aged roughly 45–80 who want guaranteed-acceptance final expense coverage of $10,000–$15,000 with no medical exam or health questions [79].

It fits younger applicants aged 16–45 who can use a health-questionnaire-only term policy and later convert to permanent coverage without new underwriting [82].

It fits existing State Farm customers who want to consolidate life coverage with auto or home policies and value agent-guided service over the lowest premium [85].

Probably Not Best Suited For

Questions This Section Answers

  • Who should not choose State Farm for simplified-issue whole life insurance?
  • Is State Farm a bad choice for a buyer who needs more than $15,000 of permanent coverage without a medical exam?

State Farm is probably not best suited for buyers who need a clearly documented, stand-alone simplified-issue whole life product with guaranteed no-exam eligibility [87].

It is not ideal for buyers seeking substantial permanent coverage of $50,000 or more through simplified underwriting, because standard whole life at those amounts typically requires traditional medical underwriting [90].

It is not ideal for applicants aged 46–49 seeking simplified-issue whole life without guaranteed-issue constraints, since Instant Answer Term tops out at 45 and guaranteed-issue final expense starts at 45 [93].

It is not ideal for price-sensitive buyers, since State Farm premiums reportedly run 8–20% above competitors [95].

It is not ideal for buyers who want a fully online purchase or rapid digital decisions, since State Farm requires agent involvement and typical underwriting timelines of 2–4 weeks [98].

When Another Option May Be Better

Questions This Section Answers

  • What is a better alternative to State Farm for a buyer who needs more than $15,000 of simplified-issue whole life coverage?
  • When should a buyer choose a guaranteed-issue final expense carrier instead of State Farm?

Another option may be better when the buyer needs $50,000–$500,000+ of whole life through simplified underwriting, where carriers like Lincoln Financial or North American offer broader simplified-issue products without guaranteed-issue constraints [100].

Another option may be better when the buyer prioritizes the lowest premium, since Banner Life and Transamerica reportedly run 8–20% cheaper than State Farm [101].

Another option may be better when the buyer needs rapid online decisions, since digital-first carriers offer same-day or instant approval for qualified applicants [103].

Another option may be better when the buyer is in a restricted state — Massachusetts, New Jersey, Rhode Island, or Wisconsin — where State Farm life insurance is not offered [104].

Another option may be better when the buyer cannot qualify through health-question underwriting and accepts potentially higher premiums, lower coverage, or graded benefits from a guaranteed-issue final-expense carrier [106].

Another option may be better when the buyer wants several simplified-issue quotes rather than a single-carrier proposal, which independent multi-carrier agents or brokers can provide [106].

Questions to Verify Before Buying

Questions This Section Answers

  • What should a buyer confirm with State Farm before signing a simplified-issue whole life contract?
  • What underwriting requirements, coverage limits, and guarantees should a buyer verify with a State Farm agent?

Buyers should confirm whether the proposed policy is actually simplified issue and whether a paramedical exam, blood test, medical-record review, prescription check, or attending-physician statement will be required [107].

Buyers should ask what exact health questions are asked and which answers cause automatic decline, postponement, or full underwriting [107].

Buyers should confirm the minimum and maximum issue ages and face amounts in their state [107].

Buyers should confirm whether the death benefit is fully immediate or graded for some applicants [107].

Buyers should ask for the guaranteed cash values, surrender values, premium schedule, and nonforfeiture options [107].

Buyers should confirm whether dividends are illustrated or guaranteed and what assumptions the illustration uses [107].

Buyers should ask the policy-loan interest rate and how loans affect the death benefit, cash value, and lapse risk [107].

Buyers should confirm which State Farm legal entity will issue the policy and whether quoted terms are available in their state [107].

Buyers should ask what happens if a premium is missed and what the reinstatement and cancellation provisions are [107].

Buyers converting an existing State Farm term policy should confirm the conversion deadline, premium basis, policy choices, and coverage limits [117].

Final AI Consensus Verdict

State Farm is a mixed fit for simplified-issue whole life insurance. Four platforms rated it mixed, one rated it weak, and two rated it uncertain. No platform rated it a strong fit.

The strongest verified case for State Farm is permanent whole life coverage with level premiums, guaranteed death benefit, cash value, and a reputable carrier, plus a guaranteed-issue final expense option with no exam or health questions [118]. The strongest limitation is that no platform could verify a clearly documented, stand-alone simplified-issue whole life product with a limited questionnaire and no traditional medical exam at moderate coverage amounts [118].

Buyers should obtain a written illustration and explicit confirmation of underwriting requirements before treating State Farm as a simplified-issue option. For coverage below $15,000 or for final expenses, State Farm is a credible choice. For moderate-to-large whole life amounts through simplified means, buyers should compare specialized simplified-issue carriers before committing.

How This Review Was Produced

This review used seven AI platform responses that evaluated State Farm for simplified-issue whole life insurance. Three platforms named State Farm during the ranking stage; all seven produced a fit assessment. Fit ratings, product names, coverage limits, ages, and pricing were compiled from platform-reported evidence and company-owned pages. Citations reflect platform-reported evidence, not independently verified facts. The consensus index for this category is available at Simplified-Issue Whole Life Insurance.

This review sits within the broader life insurance category directory.

Methodology Limitations

Platform-reported research dates differ from the authoritative run date of 2026-09-20. Deepseek reported a research date of 2026-01-15; the other six platforms reported 2026-09-21. These dates are provenance metadata and do not independently prove freshness.

Platform mentions count only platforms that named State Farm during ranking discovery; all seven platforms evaluated fit. 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. Deepseek ran with search disabled, so its claims require explicit verification before being described as current facts.

Conflicting product names, coverage limits, ages, and pricing were not resolved by guessing. Buyers should verify all details directly with a State Farm agent.

From the index

Compare the adjacent findings before forming a view.

Sources

Company-Owned Sources

  • Whole Life Insurance – Get A Quote - State Farm®: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQEAq2jazFhKQD6XmCYsVdG1uqnugrqxDGK3yWr_5zetmOiU4HSW_M1XqUTvuF9jEOxLbzSL4c9VFkbRgxHoomhlERNC0U58-yjPclPGv--4ia6kL_y00_0bADlihu9pK2X4UiQX4bdf6xw=
  • Guaranteed Issue Whole Life Insurance - State Farm®: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQEEiNl3d9BwxHjwEubpSZl8AQjXzN_Fjper4SPW2NcGY83DQaQfeje_1hxlDAwlCS0NiC2Fu4Oul5t8XjE3HdSD9kwhdb0rKGFbcdjJ88jnrMZ5ljHd5nA-aHL0G_Ywy_cw_3o-9M7UbzjhirZcavtWsjznB6Ytsg==
  • Life Insurance FAQs: https://www.statefarm.com/customer-care/faqs/life-insurance
  • Get a Life Insurance Quote Today: https://www.statefarm.com/insurance/life
  • Final Expense Insurance - State Farm: https://www.statefarm.com/insurance/life/final-expense
  • Life Insurance Underwriting - State Farm: https://www.statefarm.com/insurance/life/underwriting
  • Whole Life Insurance – Get A Quote: https://www.statefarm.com/insurance/life/whole-life
  • Guaranteed Issue Whole Life Insurance - State Farm®: https://www.statefarm.com/insurance/life/whole-life/final-expense
  • Limited Pay Life Insurance - State Farm®: https://www.statefarm.com/insurance/life/whole-life/limited-pay-life
  • Single premium life insurance: https://www.statefarm.com/insurance/life/whole-life/single-premium-life
  • Benefits of Owning a Life Insurance Policy To Cover Your: https://www.statefarm.com/simple-insights/life-insurance/guaranteed-life-insurance
  • Is Term Life Insurance Right For Your Family?: https://www.statefarm.com/simple-insights/life-insurance/term-life-insurance
  • Life Insurance Basics: What It Is, How It Works and Types - State Farm: https://www.statefarm.com/simple-insights/life-insurance/types-of-life-insurance
  • Whole Life Insurance: https://www.statefarm.com/simple-insights/life-insurance/whole-life-insurance
  • Official pricing and terms source: https://www.statefarm.com/
  • Additional AI research evidence123 records
    1. AI research evidence record openai:sf_whole_life
    2. AI research evidence record deepseek:sf-life
    3. AI research evidence record openai:sf_whole_life
    4. AI research evidence record perplexity:1
    5. AI research evidence record perplexity:4
    6. AI research evidence record perplexity:5
    7. AI research evidence record anthropic:cite-29-4
    8. AI research evidence record anthropic:cite-29-5
    9. AI research evidence record anthropic:cite-37-4
    10. AI research evidence record anthropic:cite-37-5
    11. AI research evidence record google:2.2.2
    12. AI research evidence record google:2.4.7
    13. AI research evidence record anthropic:cite-6-1
    14. AI research evidence record anthropic:cite-6-2
    15. AI research evidence record kimi:search_unclear_statefarm
    16. AI research evidence record perplexity:6
    17. AI research evidence record perplexity:13
    18. AI research evidence record grok:web:0
    19. AI research evidence record grok:web:1
    20. AI research evidence record openai:sf_whole_life
    21. AI research evidence record deepseek:sf-life
    22. AI research evidence record perplexity:1
    23. AI research evidence record perplexity:3
    24. AI research evidence record anthropic:cite-35-13
    25. AI research evidence record anthropic:cite-37-4
    26. AI research evidence record anthropic:cite-37-5
    27. AI research evidence record google:2.2.2
    28. AI research evidence record google:2.4.7
    29. AI research evidence record grok:web:1
    30. AI research evidence record anthropic:cite-2-3
    31. AI research evidence record anthropic:cite-3-4
    32. AI research evidence record google:1.1.3
    33. AI research evidence record deepseek:sf-ratings
    34. AI research evidence record anthropic:cite-10-7
    35. AI research evidence record google:2.3.1
    36. AI research evidence record google:2.3.2
    37. AI research evidence record anthropic:cite-6-1
    38. AI research evidence record anthropic:cite-6-2
    39. AI research evidence record grok:web:0
    40. AI research evidence record grok:web:1
    41. AI research evidence record perplexity:1
    42. AI research evidence record perplexity:6
    43. AI research evidence record kimi:search_unclear_statefarm
    44. AI research evidence record anthropic:cite-29-4
    45. AI research evidence record anthropic:cite-8-5
    46. AI research evidence record google:2.2.2
    47. AI research evidence record google:2.4.5
    48. AI research evidence record perplexity:11
    49. AI research evidence record perplexity:12
    50. AI research evidence record anthropic:cite-18-16
    51. AI research evidence record anthropic:cite-31-14
    52. AI research evidence record openai:sf_whole_life
    53. AI research evidence record deepseek:sf-life
    54. AI research evidence record openai:sf_whole_life
    55. AI research evidence record perplexity:3
    56. AI research evidence record anthropic:cite-35-13
    57. AI research evidence record anthropic:cite-17-2
    58. AI research evidence record anthropic:cite-28-1
    59. AI research evidence record perplexity:4
    60. AI research evidence record perplexity:5
    61. AI research evidence record openai:sf_term_conversion
    62. AI research evidence record anthropic:cite-6-2
    63. AI research evidence record anthropic:cite-41-3
    64. AI research evidence record anthropic:cite-14-19
    65. AI research evidence record anthropic:cite-1-1
    66. AI research evidence record openai:sf_whole_life
    67. AI research evidence record deepseek:sf-life
    68. AI research evidence record perplexity:1
    69. AI research evidence record anthropic:cite-19-1
    70. AI research evidence record google:2.4.3
    71. AI research evidence record anthropic:cite-19-2
    72. AI research evidence record anthropic:cite-9-23
    73. AI research evidence record anthropic:cite-17-2
    74. AI research evidence record google:2.4.5
    75. AI research evidence record kimi:legalclarity_contestability
    76. AI research evidence record openai:sf_whole_life
    77. AI research evidence record deepseek:sf-life
    78. AI research evidence record anthropic:cite-35-13
    79. AI research evidence record anthropic:cite-37-4
    80. AI research evidence record google:2.2.2
    81. AI research evidence record google:2.4.5
    82. AI research evidence record anthropic:cite-6-2
    83. AI research evidence record anthropic:cite-41-3
    84. AI research evidence record openai:sf_term_conversion
    85. AI research evidence record anthropic:cite-3-4
    86. AI research evidence record google:2.3.1
    87. AI research evidence record openai:sf_whole_life
    88. AI research evidence record perplexity:1
    89. AI research evidence record kimi:search_unclear_statefarm
    90. AI research evidence record anthropic:cite-10-1
    91. AI research evidence record anthropic:cite-39-3
    92. AI research evidence record grok:web:0
    93. AI research evidence record anthropic:cite-6-2
    94. AI research evidence record anthropic:cite-18-16
    95. AI research evidence record anthropic:cite-19-1
    96. AI research evidence record anthropic:cite-19-2
    97. AI research evidence record anthropic:cite-9-23
    98. AI research evidence record anthropic:cite-10-7
    99. AI research evidence record google:2.3.1
    100. AI research evidence record anthropic:cite-6-2
    101. AI research evidence record anthropic:cite-19-1
    102. AI research evidence record anthropic:cite-19-2
    103. AI research evidence record anthropic:cite-10-7
    104. AI research evidence record anthropic:cite-3-6
    105. AI research evidence record anthropic:cite-31-14
    106. AI research evidence record openai:sf_whole_life
    107. AI research evidence record openai:sf_whole_life
    108. AI research evidence record anthropic:cite-40-2
    109. AI research evidence record deepseek:sf-life
    110. AI research evidence record anthropic:cite-18-16
    111. AI research evidence record anthropic:cite-20-22
    112. AI research evidence record anthropic:cite-29-5
    113. AI research evidence record kimi:legalclarity_contestability
    114. AI research evidence record anthropic:cite-14-19
    115. AI research evidence record anthropic:cite-17-2
    116. AI research evidence record anthropic:cite-31-14
    117. AI research evidence record openai:sf_term_conversion
    118. AI research evidence record openai:sf_whole_life
    119. AI research evidence record anthropic:cite-37-4
    120. AI research evidence record google:2.2.2
    121. AI research evidence record perplexity:1
    122. AI research evidence record kimi:search_unclear_statefarm
    123. AI research evidence record grok:web:0

Independent Sources

Other Sources

  • Whole Life Insurance By: https://www.riskquoter.com/company-reviews/state-farm-life-insurance/
  • Additional AI research evidence123 records
    1. AI research evidence record openai:sf_whole_life
    2. AI research evidence record deepseek:sf-life
    3. AI research evidence record openai:sf_whole_life
    4. AI research evidence record perplexity:1
    5. AI research evidence record perplexity:4
    6. AI research evidence record perplexity:5
    7. AI research evidence record anthropic:cite-29-4
    8. AI research evidence record anthropic:cite-29-5
    9. AI research evidence record anthropic:cite-37-4
    10. AI research evidence record anthropic:cite-37-5
    11. AI research evidence record google:2.2.2
    12. AI research evidence record google:2.4.7
    13. AI research evidence record anthropic:cite-6-1
    14. AI research evidence record anthropic:cite-6-2
    15. AI research evidence record kimi:search_unclear_statefarm
    16. AI research evidence record perplexity:6
    17. AI research evidence record perplexity:13
    18. AI research evidence record grok:web:0
    19. AI research evidence record grok:web:1
    20. AI research evidence record openai:sf_whole_life
    21. AI research evidence record deepseek:sf-life
    22. AI research evidence record perplexity:1
    23. AI research evidence record perplexity:3
    24. AI research evidence record anthropic:cite-35-13
    25. AI research evidence record anthropic:cite-37-4
    26. AI research evidence record anthropic:cite-37-5
    27. AI research evidence record google:2.2.2
    28. AI research evidence record google:2.4.7
    29. AI research evidence record grok:web:1
    30. AI research evidence record anthropic:cite-2-3
    31. AI research evidence record anthropic:cite-3-4
    32. AI research evidence record google:1.1.3
    33. AI research evidence record deepseek:sf-ratings
    34. AI research evidence record anthropic:cite-10-7
    35. AI research evidence record google:2.3.1
    36. AI research evidence record google:2.3.2
    37. AI research evidence record anthropic:cite-6-1
    38. AI research evidence record anthropic:cite-6-2
    39. AI research evidence record grok:web:0
    40. AI research evidence record grok:web:1
    41. AI research evidence record perplexity:1
    42. AI research evidence record perplexity:6
    43. AI research evidence record kimi:search_unclear_statefarm
    44. AI research evidence record anthropic:cite-29-4
    45. AI research evidence record anthropic:cite-8-5
    46. AI research evidence record google:2.2.2
    47. AI research evidence record google:2.4.5
    48. AI research evidence record perplexity:11
    49. AI research evidence record perplexity:12
    50. AI research evidence record anthropic:cite-18-16
    51. AI research evidence record anthropic:cite-31-14
    52. AI research evidence record openai:sf_whole_life
    53. AI research evidence record deepseek:sf-life
    54. AI research evidence record openai:sf_whole_life
    55. AI research evidence record perplexity:3
    56. AI research evidence record anthropic:cite-35-13
    57. AI research evidence record anthropic:cite-17-2
    58. AI research evidence record anthropic:cite-28-1
    59. AI research evidence record perplexity:4
    60. AI research evidence record perplexity:5
    61. AI research evidence record openai:sf_term_conversion
    62. AI research evidence record anthropic:cite-6-2
    63. AI research evidence record anthropic:cite-41-3
    64. AI research evidence record anthropic:cite-14-19
    65. AI research evidence record anthropic:cite-1-1
    66. AI research evidence record openai:sf_whole_life
    67. AI research evidence record deepseek:sf-life
    68. AI research evidence record perplexity:1
    69. AI research evidence record anthropic:cite-19-1
    70. AI research evidence record google:2.4.3
    71. AI research evidence record anthropic:cite-19-2
    72. AI research evidence record anthropic:cite-9-23
    73. AI research evidence record anthropic:cite-17-2
    74. AI research evidence record google:2.4.5
    75. AI research evidence record kimi:legalclarity_contestability
    76. AI research evidence record openai:sf_whole_life
    77. AI research evidence record deepseek:sf-life
    78. AI research evidence record anthropic:cite-35-13
    79. AI research evidence record anthropic:cite-37-4
    80. AI research evidence record google:2.2.2
    81. AI research evidence record google:2.4.5
    82. AI research evidence record anthropic:cite-6-2
    83. AI research evidence record anthropic:cite-41-3
    84. AI research evidence record openai:sf_term_conversion
    85. AI research evidence record anthropic:cite-3-4
    86. AI research evidence record google:2.3.1
    87. AI research evidence record openai:sf_whole_life
    88. AI research evidence record perplexity:1
    89. AI research evidence record kimi:search_unclear_statefarm
    90. AI research evidence record anthropic:cite-10-1
    91. AI research evidence record anthropic:cite-39-3
    92. AI research evidence record grok:web:0
    93. AI research evidence record anthropic:cite-6-2
    94. AI research evidence record anthropic:cite-18-16
    95. AI research evidence record anthropic:cite-19-1
    96. AI research evidence record anthropic:cite-19-2
    97. AI research evidence record anthropic:cite-9-23
    98. AI research evidence record anthropic:cite-10-7
    99. AI research evidence record google:2.3.1
    100. AI research evidence record anthropic:cite-6-2
    101. AI research evidence record anthropic:cite-19-1
    102. AI research evidence record anthropic:cite-19-2
    103. AI research evidence record anthropic:cite-10-7
    104. AI research evidence record anthropic:cite-3-6
    105. AI research evidence record anthropic:cite-31-14
    106. AI research evidence record openai:sf_whole_life
    107. AI research evidence record openai:sf_whole_life
    108. AI research evidence record anthropic:cite-40-2
    109. AI research evidence record deepseek:sf-life
    110. AI research evidence record anthropic:cite-18-16
    111. AI research evidence record anthropic:cite-20-22
    112. AI research evidence record anthropic:cite-29-5
    113. AI research evidence record kimi:legalclarity_contestability
    114. AI research evidence record anthropic:cite-14-19
    115. AI research evidence record anthropic:cite-17-2
    116. AI research evidence record anthropic:cite-31-14
    117. AI research evidence record openai:sf_term_conversion
    118. AI research evidence record openai:sf_whole_life
    119. AI research evidence record anthropic:cite-37-4
    120. AI research evidence record google:2.2.2
    121. AI research evidence record perplexity:1
    122. AI research evidence record kimi:search_unclear_statefarm
    123. AI research evidence record grok:web:0

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

Behind the findings

Platforms in this study

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

Source records

27 independent · 15 company-owned · 1 unclear

Evidence support

38 direct · 4 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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