{"citations":{"source_mix":{"company_owned":27,"independent":11,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":7},"total_sources":38,"unique_domain_count":20},"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","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance for $1 Million in Coverage","subject":"Protective Life","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-21","platform_support":["anthropic","deepseek","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Protective Life","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.25,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Protective Life","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-1-dollar-million-in-coverage/protective-life.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-1-dollar-million-in-coverage/protective-life","report_type":"fit_review","study_id":"LICI-STUDY-3F085625A6F4","title":"Protective 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 20:58:25.732611+00","research_date":"2026-09-21","source_snapshot_sha256":"cdc2c032ead00fe0ced7df320e21007b05dfba970d7d56bb4e1ca26278800e71","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective Life is a conditional fit for a healthy high-income nonsmoking 45-year-old seeking roughly $1 million of indexed universal life insurance. Four of seven included platforms named Protective Life during the ranking stage, and six of seven returned a usable fit assessment. The strongest reason to consider it is Protective's reported financial strength — A+ from AM Best, AA- from S&P and Fitch, and Aa3 from Moody's — paired with the Indexed Choice UL design's 0% index floor and guaranteed 100% participation rate. The main limitation is availability: multiple platforms report that…","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"}}