{"citations":{"source_mix":{"company_owned":17,"independent":5,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":18,"partial":7},"total_sources":25,"unique_domain_count":12},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-21","platform_support":["deepseek","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Indexed Universal Life Insurance for $1 Million in Coverage","unit":"platforms","value":5},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-21","platform_support":["deepseek","grok","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance for $1 Million in Coverage","subject":"Allianz","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-21","platform_support":["deepseek","grok","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 5","subject":"Allianz","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-21","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Allianz","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-21","platform_support":["openai","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Allianz","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-21","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Allianz","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.75,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Allianz","platform_mentions":4,"platform_share":0.8}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-1-dollar-million-in-coverage/allianz.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-1-dollar-million-in-coverage/allianz","report_type":"fit_review","study_id":"LICI-STUDY-9FB0337918E4","title":"Allianz for Indexed Universal Life Insurance for $1 Million in Coverage: 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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","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":5,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["deepseek","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 00:36:51.556559+00","research_date":"2026-09-21","source_snapshot_sha256":"890f57bda9ffb6d8ece0d6fac102c160530312b91ef49a2cb0cc6a85259f6443","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":17,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Allianz is a good — not conclusively best — fit for a healthy, high-income, nonsmoking 45-year-old seeking roughly $1 million of indexed universal life coverage. Four of the five platforms that evaluated fit named Allianz during ranking discovery, a share of 80%, with an average listed rank of 4.75 and a best rank of 1. The strongest reason to consider Allianz is its relevant Accumulator IUL design, index-crediting flexibility including Index Lock, and reported A+ (A.M. Best) and AA (S&P) financial-strength ratings. The main limitation is that no platform produced a verified $1 million…","target_buyer":"A healthy high-income nonsmoking 45-year-old wants approximately $1 million of indexed universal life insurance for permanent death-benefit protection and long-term cash-value potential.","topic":{"base_category":"Universal and Indexed Universal Life Insurance","category_criteria":["They want financially established carriers","competitive policy charges","strong policy design","efficient underwriting","and clear guaranteed and non-guaranteed illustrations."],"geography":"United States","slug":"best-indexed-universal-life-insurance-for-1-million-in-coverage","title":"Best Indexed Universal Life Insurance for $1 Million in Coverage","use_case":"Indexed Universal Life Insurance for $1 Million in Coverage"}}