{"citations":{"source_mix":{"company_owned":17,"independent":22,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":32,"partial":7},"total_sources":39,"unique_domain_count":20},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-20","predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Indexed Universal Life Insurance With Flexible Premium Options","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance With Flexible Premium Options","subject":"Principal Financial Group","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Principal Financial Group","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Principal Financial Group","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-with-flexible-premium-options/principal-financial-group.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-with-flexible-premium-options/principal-financial-group","report_type":"fit_review","study_id":"LICI-STUDY-D36A0AB619C6","title":"Principal Financial Group for Indexed Universal Life Insurance With Flexible Premium Options: 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.","6 of 7 included platforms returned a usable fit assessment; disclose this as a methodology limitation and do not describe the fit findings as unanimous, 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_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 19:56:30.741258+00","research_date":"2026-09-20","source_snapshot_sha256":"f2fa8e1c90c6281b23cb05de4cb642e690e41211bfee1ed18eb87af9ca79de46","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Principal Financial Group is a good fit — not an unqualified best-in-class fit — for a buyer seeking permanent Indexed Universal Life Insurance With Flexible Premium Options. Two of the seven platforms in the ranking stage named Principal, and six of seven platforms returned a usable fit assessment. The strongest reason to consider Principal is its combination of flexible-premium IUL designs (Accumulation II and Flex II), index-linked crediting with a stated 0% floor, and strong publicly reported insurer financial-strength ratings. The main limitation is transparency: exact policy charges,…","target_buyer":"A consumer wants permanent indexed universal life insurance and values the ability to adjust premium payments within policy limits as their financial circumstances change.","topic":{"base_category":"Universal and Indexed Universal Life Insurance","category_criteria":["They want strong death-benefit protection","cash-value potential","reasonable policy charges","a financially established carrier","and clearly explained requirements for keeping the policy in force."],"geography":"United States","slug":"best-indexed-universal-life-insurance-with-flexible-premium-options","title":"Best Indexed Universal Life Insurance With Flexible Premium Options","use_case":"Indexed Universal Life Insurance With Flexible Premium Options"}}