{"buyer_scenarios":[{"fit":"best_suited","scenario":"High-income earners seeking flexible permanent life insurance, particularly indexed universal life (-2)."},{"fit":"best_suited","scenario":"Buyers who want indexed-crediting options with a 0% indexed-account floor before policy charges, plus fixed-account crediting ."},{"fit":"best_suited","scenario":"Buyers prioritizing policy performance aligned with illustration over chasing headline cap rates (-7, -4)."},{"fit":"best_suited","scenario":"Clients wanting flexible design options, including Horizon IUL 2's three coverage designs (-3, -8)."},{"fit":"not_best_suited","scenario":"Buyers requiring direct online quotes, applications, or a fully digital purchasing experience — Pacific Life policies are distributed exclusively through independent agents, brokers, and financial advisors (-15, -13,…"},{"fit":"not_best_suited","scenario":"Buyers seeking the absolute lowest current cap or participation rates month-to-month (-4, -5)."},{"fit":"not_best_suited","scenario":"Applicants unable to qualify for standard or preferred underwriting (-16)."},{"fit":"not_best_suited","scenario":"Individuals uncomfortable with the illustration-to-guarantee gap, which one source puts at 40–60% variance (-7)."}],"citations":{"source_mix":{"company_owned":17,"independent":16,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":26,"partial":7},"total_sources":33,"unique_domain_count":18},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-21","predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Indexed Universal Life Insurance for $1 Million in Coverage","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-21","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance for $1 Million in Coverage","subject":"Pacific Life","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-21","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Pacific Life","unit":"platforms","value":7}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.5714285714285714,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Pacific Life","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-1-dollar-million-in-coverage/pacific-life.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-1-dollar-million-in-coverage/pacific-life","report_type":"fit_review","study_id":"LICI-STUDY-DBB0261FB090","title":"Pacific Life 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.","6 of 7 included platforms returned a usable fit assessment; disclose this as a methodology limitation and do not describe the fit findings as unanimous, 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":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","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 20:55:51.730598+00","research_date":"2026-09-21","source_snapshot_sha256":"7132c0102681f76643cc301ebbea7f8ccc698eb40b836985577c0b2ba1378ffe","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is a good fit for a healthy high-income nonsmoking 45-year-old seeking roughly $1 million of indexed universal life insurance, but it is not a conclusively best fit. All 7 platforms named Pacific Life during the ranking stage, and 6 of 7 returned a usable fit assessment. The strongest reason to consider it is a developed IUL lineup — Pacific Horizon IUL 2 and Pacific Trident IUL — backed by reported A+ (A.M. Best), Aa3 (Moody's), and AA- (S&P, Fitch) ratings and a 0% indexed-account floor. The main limitation is that no public, buyer-specific premium, charge schedule, or…","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"}}