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The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a entity evidence bundle.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each entity bundle are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path.","Use the exact entity-namespaced citation IDs from the source catalog (e.g. e1:); never transfer a citation between entities."],"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 19:01:42.803831+00","research_date":"2026-09-20","source_snapshot_sha256":"dca36aadd7c11829d3a5af54ce62d0a6ea8915f44244a5539fd5dc7f55f20f1d","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is the consensus leader for high-net-worth indexed universal life insurance in this 7-platform study, named by all seven platforms (100.0% share) at an average listed position of 2.0 and a best position of 1. Nationwide (6 mentions, 85.7%) and Lincoln Financial (5 mentions, 71.4%) are the strongest alternatives, with Allianz Life holding the best average listed position (1.75) despite appearing on only four platforms. Nine carriers qualified by being named by at least two platforms. The principal limitation is methodological: this index measures how often AI platforms…","target_buyer":"A high-net-worth consumer is considering indexed universal life insurance for permanent death-benefit protection, estate or legacy needs, and potential cash-value accumulation.","topic":{"base_category":"Universal and Indexed Universal Life Insurance","category_criteria":["They want a financially strong carrier capable of supporting substantial coverage","sophisticated policy design","competitive charges","useful riders","and strong long-term policy options."],"geography":"United States","slug":"best-indexed-universal-life-insurance-for-high-net-worth-individuals","title":"Best Indexed Universal Life Insurance for High-Net-Worth Individuals","use_case":"Indexed Universal Life Insurance for High-Net-Worth Individuals"}}