{"citations":{"source_mix":{"company_owned":28,"independent":14,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":36,"partial":9},"total_sources":45,"unique_domain_count":15},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Indexed Universal Life Insurance for Cash Value Accumulation","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","perplexity"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance for Cash Value Accumulation","subject":"Mutual of Omaha","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Mutual of Omaha","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Mutual of Omaha","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","deepseek","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Mutual of Omaha","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"Mutual of Omaha","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-cash-value-accumulation/mutual-of-omaha.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-cash-value-accumulation/mutual-of-omaha","report_type":"fit_review","study_id":"LICI-STUDY-689FCEE54649","title":"Mutual of Omaha for Indexed Universal Life Insurance for Cash Value Accumulation: 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.","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_included":["anthropic","deepseek","google","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 18:32:34.320473+00","research_date":"2026-09-20","source_snapshot_sha256":"8bd89014f5dd30c7cf7b1987b84cc23dff9b9a27e16e84a739adfb5673b21278","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":19,"qualified_finalists":8,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Mutual of Omaha is a mixed-to-good fit for Indexed Universal Life Insurance for Cash Value Accumulation. Two of seven platforms named it during the ranking stage, at an average listed rank of 4.0. The strongest reason to consider it is a combination of strong issuer ratings, multiple indexed-crediting strategies with a 0% floor, and independent commentary that its annual point-to-point crediting is transparent and its charges are comparatively low. The main limitation is that no reviewed public source verifies competitive policy charges, guaranteed values, or long-term accumulation…","target_buyer":"A consumer wants indexed universal life insurance and places a high priority on building cash value efficiently over the long term while maintaining meaningful permanent death-benefit protection.","topic":{"base_category":"Universal and Indexed Universal Life Insurance","category_criteria":["They want competitive policy charges","strong index-crediting options","flexible premium design","a financially established insurer","and transparent illustrations that distinguish guaranteed from non-guaranteed values."],"geography":"United States","slug":"best-indexed-universal-life-insurance-for-cash-value-accumulation","title":"Best Indexed Universal Life Insurance for Cash Value Accumulation","use_case":"Indexed Universal Life Insurance for Cash Value Accumulation"}}