{"buyer_scenarios":[{"fit":"best_suited","scenario":"Buyers comfortable with flexible premiums, policy complexity, variable cash-value outcomes, and ongoing monitoring (openai)."},{"fit":"best_suited","scenario":"Buyers who can sustain consistent premium payments over 10+ years and understand that cash value accumulation requires time to overcome front-loaded costs (anthropic)."},{"fit":"best_suited","scenario":"Buyers with a 15+ year horizon and stable cash flow (deepseek, kimi)."},{"fit":"best_suited","scenario":"Buyers who want to hedge portfolio risk by pairing equity upside exposure with a 0% floor (anthropic)."},{"fit":"not_best_suited","scenario":"Consumers needing guaranteed retirement income or guaranteed cash-value accumulation (openai, deepseek, kimi)."},{"fit":"not_best_suited","scenario":"Buyers seeking maximum cash value accumulation with minimal internal charges, since IUL expense structures are higher than term or non-indexed universal life (anthropic, deepseek)."},{"fit":"not_best_suited","scenario":"Buyers who may surrender or lapse before year 10–15, given surrender charges and premium load front-loading (anthropic, deepseek)."},{"fit":"not_best_suited","scenario":"Buyers who have not yet maximized tax-advantaged retirement accounts such as 401(k) and IRA (deepseek, kimi)."}],"citations":{"source_mix":{"company_owned":19,"independent":13,"unclear":4},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":7},"total_sources":36,"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","openai"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance for Supplemental Retirement Planning","subject":"Protective Indexed Universal Life","unit":"rank","value":9},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Protective Indexed Universal Life","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"good","subject":"Protective Indexed Universal Life","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Protective Indexed Universal Life","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Protective Indexed Universal Life","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Protective Indexed Universal Life","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6,"best_rank":5,"entity_id":"entity-001","entity_type":"company","final_rank":9,"name":"Protective Indexed Universal Life","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/protective-indexed-universal-life.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-for-supplemental-retirement-planning/protective-indexed-universal-life","report_type":"fit_review","study_id":"LICI-STUDY-44C3AF8B6B3C","title":"Protective Indexed Universal 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 18:46:18.524544+00","research_date":"2026-09-20","source_snapshot_sha256":"98a0c6b7bc20ef423e96f45f3cfab0b6f665ad922e5109cbca20fecd7b3382ca","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective Indexed Universal Life is a mixed fit for Indexed Universal Life Insurance for Supplemental Retirement Planning. Two of seven platforms named it during the ranking stage (28.6% share), at an average listed rank of 6.0 and a best rank of 5. The strongest reason to consider it is the underlying product's structure: permanent coverage, fixed and indexed accounts, a 0% indexed floor, and access to cash value through loans and withdrawals. The main limitation is availability — the named product, Protective Indexed Choice UL, closed to new sales effective March 9, 2026, so new buyers…","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"}}