{"citations":{"source_mix":{"company_owned":23,"independent":10,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":5},"total_sources":36,"unique_domain_count":11},"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 $2 Million or More in Coverage","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-21","platform_support":["anthropic","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance for $2 Million or More in Coverage","subject":"Allianz Life","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-21","platform_support":["anthropic","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Allianz Life","unit":"platforms","value":6}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.166666666666667,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Allianz Life","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-2-dollar-million-or-more-in-coverage/allianz-life.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-2-dollar-million-or-more-in-coverage/allianz-life","report_type":"fit_review","study_id":"LICI-STUDY-6AC9F7AEBA9F","title":"Allianz Life for Indexed Universal Life Insurance for $2 Million or More 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 21:01:30.757889+00","research_date":"2026-09-21","source_snapshot_sha256":"6ad8ba4d74294e3af076a23e48208ad3254935d3cd1f1baa55bf5c32f49455a4","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":17,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Allianz Life is a good, but not conclusively best, fit for a healthy high-income buyer seeking $2 million or more of indexed universal life coverage. Six of the seven included AI platforms named Allianz Life during the ranking stage, and five of six fit assessments landed at \"good\" or \"strong.\" The strongest reason to consider it is the Allianz Life Accumulator Indexed Universal life insurance Policy, the company's current flagship IUL, which pairs multiple indexed-crediting strategies with index-lock features and reported AA/stable financial strength. The main limitation is evidence: no…","target_buyer":"A healthy high-income consumer wants at least $2 million of indexed universal life insurance for permanent family, estate, business, or legacy needs.","topic":{"base_category":"Universal and Indexed Universal Life Insurance","category_criteria":["They want carriers experienced with large-face-amount permanent policies","strong financial stability","competitive policy charges","sophisticated policy design","and efficient financial and medical underwriting."],"geography":"United States","slug":"best-indexed-universal-life-insurance-for-2-million-or-more-in-coverage","title":"Best Indexed Universal Life Insurance for $2 Million or More in Coverage","use_case":"Indexed Universal Life Insurance for $2 Million or More in Coverage"}}