{"citations":{"source_mix":{"company_owned":18,"independent":7,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":19,"partial":5},"total_sources":25,"unique_domain_count":10},"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 $2 Million or More in Coverage","unit":"platforms","value":5},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-21","platform_support":["grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance for $2 Million or More in Coverage","subject":"North American Builder Plus IUL 2","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-21","platform_support":["grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 5","subject":"North American Builder Plus IUL 2","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-21","platform_support":["openai","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"North American Builder Plus IUL 2","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-21","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"North American Builder Plus IUL 2","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"North American Builder Plus IUL 2","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-2-dollar-million-or-more-in-coverage/north-american-builder-plus-iul-2.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-2-dollar-million-or-more-in-coverage/north-american-builder-plus-iul-2","report_type":"fit_review","study_id":"LICI-STUDY-FFB274E31203","title":"North American Builder Plus IUL 2 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.","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.","The deterministic identity audit contains qualification notes that must be disclosed where relevant.","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 00:44:39.850332+00","research_date":"2026-09-21","source_snapshot_sha256":"cc17dd53f232e69f184b62e2ac8c54c13e24149a5db218b0245a3cf7337cf0b3","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":17,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"North American Builder Plus IUL 2 is a mixed-to-uncertain fit for a healthy high-income buyer seeking $2 million or more of indexed universal life coverage. Four of the five platforms that evaluated fit named the entity during the ranking stage, and it ranked as high as No. 1 on one platform. The strongest reason to consider it is that the Builder Plus IUL product family supports index-linked crediting with a 0% floor, multiple loan structures, and accumulation-oriented design . The main limitation is that the latest North American product guide lists Builder Plus IUL 4, Protection Builder…","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"}}