{"citations":{"source_mix":{"company_owned":28,"independent":15,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":39,"partial":6},"total_sources":45,"unique_domain_count":17},"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","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance for Supplemental Retirement Planning","subject":"Pacific Life","unit":"rank","value":2},{"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","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Pacific Life","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Pacific Life","unit":"platforms","value":5}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.714285714285714,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":2,"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-supplemental-retirement-planning/pacific-life.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-supplemental-retirement-planning/pacific-life","report_type":"fit_review","study_id":"LICI-STUDY-46BD702E2B40","title":"Pacific Life 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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","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 18:37:02.184372+00","research_date":"2026-09-20","source_snapshot_sha256":"7a2741f54c158831aa70fa4030be90103eaf633355bc2943c0eefdf189c37542","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is a good fit for Indexed Universal Life Insurance for Supplemental Retirement Planning, but not an automatic best choice. All seven platforms named Pacific Life during the ranking stage, and all seven rated it a fit — five as \"good,\" two as \"strong.\" The strongest reason to consider it is Pacific Horizon IUL 2, a flagship product explicitly positioned for supplemental retirement income with a 0% indexed-account floor, no-lapse guarantees, and loan/withdrawal access. The main limitation is that cash-value growth is not guaranteed, early policy charges are heavy, and no platform…","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"}}