{"citations":{"source_mix":{"company_owned":34,"independent":11,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":42,"partial":3},"total_sources":45,"unique_domain_count":12},"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","google","perplexity"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance for Cash Value Accumulation","subject":"North American Company","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"North American Company","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"North American Company","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"North American Company","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","grok"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"North American Company","unit":"platforms","value":2},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"North American Company","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.666666666666667,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"North American Company","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-cash-value-accumulation/north-american-company.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-cash-value-accumulation/north-american-company","report_type":"fit_review","study_id":"LICI-STUDY-D18C4BDD1EFE","title":"North American Company 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.","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":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 18:29:59.400206+00","research_date":"2026-09-20","source_snapshot_sha256":"4fef152c51ceb0ad73d5767824066f74df7192f01e3d6012913972e943305e45","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":19,"qualified_finalists":8,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"North American Company is a good, but not conclusively best, fit for a buyer using Indexed Universal Life Insurance for Cash Value Accumulation with permanent death-benefit protection. Three of seven platforms named it during the ranking stage, and its Builder Plus IUL 4 is the strongest documented match: it is marketed for long-term accumulation, carries a reported reduced current account-value charge, offers flexible premiums and multiple loan types, and is backed by an A+ A.M. Best rating. The main limitation is that no complete public pricing, full charge schedule, or state-specific…","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"}}