{"citations":{"source_mix":{"company_owned":24,"independent":23,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":39,"partial":8},"total_sources":48,"unique_domain_count":24},"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","kimi"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance for Supplemental Retirement Planning","subject":"Mutual of Omaha","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Mutual of Omaha","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Mutual of Omaha","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Mutual of Omaha","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Mutual of Omaha","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":"Mutual of Omaha","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Mutual of Omaha","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-supplemental-retirement-planning/mutual-of-omaha.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-supplemental-retirement-planning/mutual-of-omaha","report_type":"fit_review","study_id":"LICI-STUDY-E0E1634F6B45","title":"Mutual of Omaha 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.","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 18:52:46.808619+00","research_date":"2026-09-20","source_snapshot_sha256":"ec2d5d60b04bcc5e8e231be7d2f2f575ea326098ecb3da575317b85f33c69a70","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Mutual of Omaha is a mixed-to-good fit for Indexed Universal Life Insurance for Supplemental Retirement Planning, depending on how the buyer weighs the company's low-charge Income Advantage IUL design against unverifiable personalized pricing. Two of seven platforms named Mutual of Omaha during the ranking stage, at an average listed rank of 4.0 and a best rank of 3. The strongest reason to consider it is the Income Advantage IUL's accumulation-focused chassis, 0% index floor, and capped index-loan provisions. The main limitation is that no platform could verify a buyer-specific premium,…","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"}}