{"citations":{"source_mix":{"company_owned":21,"independent":27,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":20,"partial":9},"total_sources":51,"unique_domain_count":28},"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","deepseek","google","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance for $2 Million or More in Coverage","subject":"Lincoln Financial","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-21","platform_support":["anthropic","deepseek","google","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Lincoln Financial","unit":"platforms","value":6}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Lincoln Financial","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/lincoln-financial.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-2-dollar-million-or-more-in-coverage/lincoln-financial","report_type":"fit_review","study_id":"LICI-STUDY-41ACE68D74A7","title":"Lincoln Financial 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.","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 21:01:02.145718+00","research_date":"2026-09-21","source_snapshot_sha256":"75520d270cf39aae05ac66f111ca50523aa78a8946f8b36b664757d9efb3cfac","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":17,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Lincoln Financial 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 seven included platforms named Lincoln during ranking discovery, and five of the six platforms that returned a usable fit assessment rated it \"good\" or better. The strongest reason to consider it is a documented IUL lineup (WealthAccumulate 2, WealthPreserve 2, WealthAccelerate) backed by stable A/A+/A2/A+ financial-strength ratings and large-case underwriting infrastructure. The main limitation is that no retrieved source…","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"}}