{"citations":{"source_mix":{"company_owned":18,"independent":26,"unclear":5},"sources_referenced_by_questions":0,"support_mix":{"direct":25,"partial":11},"total_sources":49,"unique_domain_count":29},"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 People in Their 40s","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","perplexity"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance for People in Their 40s","subject":"John Hancock","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"John Hancock","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","deepseek","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"John Hancock","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"John Hancock","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.25,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"John Hancock","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-people-in-their-40s/john-hancock.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-people-in-their-40s/john-hancock","report_type":"fit_review","study_id":"LICI-STUDY-FA349304EE61","title":"John Hancock for Indexed Universal Life Insurance for People in Their 40s: 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.","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 20:14:45.277277+00","research_date":"2026-09-20","source_snapshot_sha256":"61007eef5be8f0c8026feae2170d08e80218523224b11691a86964c0442085cb","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":27,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"John Hancock is a good, but not clearly best, fit for a healthy nonsmoking buyer in their 40s seeking permanent indexed universal life insurance with long-term cash-value potential. Four of seven platforms named John Hancock during the ranking stage, and its best listed rank was third. The strongest reason to consider it is a combination of strong reported carrier financial-strength ratings, multiple indexed-account choices with a 0% floor, and the optional Vitality wellness program. The main limitation is that no reliable public pricing exists for this buyer profile, and independent…","target_buyer":"A healthy nonsmoking consumer in their 40s wants permanent indexed universal life insurance with meaningful death-benefit protection and long-term cash-value potential.","topic":{"base_category":"Universal and Indexed Universal Life Insurance","category_criteria":["They want competitive policy charges","flexible funding options","strong carrier financial stability","and a policy design suitable for several decades of coverage."],"geography":"United States","slug":"best-indexed-universal-life-insurance-for-people-in-their-40s","title":"Best Indexed Universal Life Insurance for People in Their 40s","use_case":"Indexed Universal Life Insurance for People in Their 40s"}}