{"citations":{"source_mix":{"company_owned":19,"independent":35,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":50,"partial":4},"total_sources":57,"unique_domain_count":36},"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 Supplemental Retirement Planning","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","grok","perplexity"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance for Supplemental Retirement Planning","subject":"Lincoln Financial","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","grok","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Lincoln Financial","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Lincoln Financial","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Lincoln Financial","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Lincoln Financial","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Lincoln Financial","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-supplemental-retirement-planning/lincoln-financial.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-supplemental-retirement-planning/lincoln-financial","report_type":"fit_review","study_id":"LICI-STUDY-5F9E5313EA71","title":"Lincoln Financial for Indexed Universal Life Insurance for Supplemental Retirement Planning: 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 18:43:57.280243+00","research_date":"2026-09-20","source_snapshot_sha256":"db10c25e9e501f4882b34b037c46bcc1292251844d080c066083c50510a88380","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Lincoln Financial is a mixed-to-good fit for using indexed universal life insurance as one component of supplemental retirement planning. Four of seven platforms named Lincoln Financial during the ranking stage (57.1% of included platform responses), with an average listed rank of 5.0 and a best listed rank of 3. The strongest reason to consider it is a documented IUL portfolio — including Lincoln WealthAccelerate IUL and Lincoln WealthAccumulate 2 IUL — that pairs permanent death-benefit coverage with indexed-account cash value that may be accessed through policy loans or withdrawals . The…","target_buyer":"A consumer is considering indexed universal life insurance as one component of a broader long-term retirement strategy.","topic":{"base_category":"Universal and Indexed Universal Life Insurance","category_criteria":["They want permanent coverage and the potential to build cash value that may later be accessed through policy withdrawals or loans subject to policy terms","while understanding that policy performance is not guaranteed and poor funding or excessive loans can create risks."],"geography":"United States","slug":"best-indexed-universal-life-insurance-for-supplemental-retirement-planning","title":"Best Indexed Universal Life Insurance for Supplemental Retirement Planning","use_case":"Indexed Universal Life Insurance for Supplemental Retirement Planning"}}