{"citations":{"source_mix":{"company_owned":15,"independent":29,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":34,"partial":11},"total_sources":46,"unique_domain_count":33},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Guaranteed Universal Life Insurance Companies","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","perplexity"],"predicate":"final_consensus_rank","qualifier":"Guaranteed Universal Life Insurance","subject":"John Hancock","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"John Hancock","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok"],"predicate":"fit_rating_count","qualifier":"good","subject":"John Hancock","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","deepseek","perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"John Hancock","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"John Hancock","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.5,"best_rank":6,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"John Hancock","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/guaranteed-universal-life-insurance/john-hancock.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/guaranteed-universal-life-insurance/john-hancock","report_type":"fit_review","study_id":"LICI-STUDY-E5731FCAEE3D","title":"John Hancock for Guaranteed Universal Life Insurance: AI Consensus Fit Review"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","The deterministic identity audit contains qualification notes that must be disclosed where relevant.","Citations are platform-reported evidence, not independently verified facts. No-search model claims require explicit verification before being described as current facts."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-21 18:05:58.605584+00","research_date":"2026-09-20","source_snapshot_sha256":"5175d3bcab3c9f53cc89386fae9d746f35edf7a6a619ecdf153dc8f41eae8bbb","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"John Hancock is a mixed fit for Guaranteed Universal Life Insurance. Two of seven platforms named it during ranking discovery — 28.6% of included platform responses — at an average listed rank of 6.5 and a best rank of 6. The strongest reason to consider it is carrier financial strength: AM Best rates John Hancock Life Insurance Company (U.S.A.) A+ Superior with a stable outlook , and multiple platforms cite A+ or equivalent ratings. The main limitation is that the exact current GUL product, its guarantee duration, state availability, and premium competitiveness are not verifiable from…","target_buyer":"A consumer wants permanent life insurance primarily for a predictable lifetime death benefit and places less importance on maximizing cash-value accumulation.","topic":{"base_category":"Universal and Indexed Universal Life Insurance","category_criteria":["They are interested in guaranteed universal life insurance with strong no-lapse guarantees","competitive premiums","a financially established carrier","and clear policy terms."],"geography":"United States","slug":"best-guaranteed-universal-life-insurance-companies","title":"Best Guaranteed Universal Life Insurance Companies","use_case":"Guaranteed Universal Life Insurance"}}