{"citations":{"source_mix":{"company_owned":17,"independent":40,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":23,"partial":8},"total_sources":58,"unique_domain_count":28},"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 High-Net-Worth Individuals","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance for High-Net-Worth Individuals","subject":"Pacific Life","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Pacific Life","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Pacific Life","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Pacific Life","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Pacific Life","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-high-net-worth-individuals/pacific-life.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-high-net-worth-individuals/pacific-life","report_type":"fit_review","study_id":"LICI-STUDY-01198DEE1BEA","title":"Pacific Life for Indexed Universal Life Insurance for High-Net-Worth Individuals: 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.","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 18:49:20.992166+00","research_date":"2026-09-20","source_snapshot_sha256":"f6e70cb6d6465756faf3fb2226e315d12df3f1e35e96b5ebf0b4d46129922aa8","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is a good fit for high-net-worth buyers who want permanent death-benefit protection, sophisticated policy design, and optional indexed cash-value accumulation, but it is not an automatic best choice. All 7 platforms named Pacific Life during ranking discovery, and it finished first overall with an average listed rank of 2.0 and a best rank of 1. The strongest reason to consider it is its combination of elite financial-strength ratings, the Pacific Horizon IUL 2 and Pacific Horizon ECV IUL product line, and design flexibility. The main limitation is that no public pricing exists,…","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"}}