{"citations":{"source_mix":{"company_owned":24,"independent":7,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":24,"partial":9},"total_sources":33,"unique_domain_count":14},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Indexed Universal Life Insurance With Strong Long-Term Guarantees","unit":"platforms","value":5},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance With Strong Long-Term Guarantees","subject":"Nationwide Indexed Universal Life Protector II 2020","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 5","subject":"Nationwide Indexed Universal Life Protector II 2020","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Nationwide Indexed Universal Life Protector II 2020","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Nationwide Indexed Universal Life Protector II 2020","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Nationwide Indexed Universal Life Protector II 2020","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Nationwide Indexed Universal Life Protector II 2020","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.666666666666667,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Nationwide Indexed Universal Life Protector II 2020","platform_mentions":3,"platform_share":0.6}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-with-strong-long-term-guarantees/nationwide-indexed-universal-life-protector-ii-2020.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-with-strong-long-term-guarantees/nationwide-indexed-universal-life-protector-ii-2020","report_type":"fit_review","study_id":"LICI-STUDY-A6FBA79D2423","title":"Nationwide Indexed Universal Life Protector II 2020 for Indexed Universal Life Insurance With Strong Long-Term Guarantees: 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":5,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["deepseek","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":"2026-09-20 23:16:40.352375+00","research_date":"2026-09-20","source_snapshot_sha256":"82e77d3f7351ec8e106b509d83f1c407b9d81c1a21500ee25dcd2f6fcacfe969","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":14,"qualified_finalists":6,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Nationwide Indexed Universal Life Protector II 2020 is a good, but not unequivocally strongest, fit for a buyer who wants indexed universal life cash-value potential while prioritizing a contractual no-lapse death-benefit guarantee. Three of five included platforms named it during the ranking stage (60% share), at an average listed rank of 5.67 and a best rank of 3. The strongest reason to consider it is the Extended No-Lapse Guarantee Rider, which Nationwide says can extend the death-benefit guarantee to age 90 or 120 if required conditions are met . The main limitation: the guarantee is…","target_buyer":"A consumer likes the cash-value growth potential of indexed universal life insurance but places unusually high importance on contractual guarantees and reducing the risk that changing assumptions could undermine long-term coverage.","topic":{"base_category":"Universal and Indexed Universal Life Insurance","category_criteria":["They want a financially established carrier","strong guaranteed policy provisions where available","competitive charges","and clear illustrations showing both guaranteed and non-guaranteed outcomes."],"geography":"United States","slug":"best-indexed-universal-life-insurance-with-strong-long-term-guarantees","title":"Best Indexed Universal Life Insurance With Strong Long-Term Guarantees","use_case":"Indexed Universal Life Insurance With Strong Long-Term Guarantees"}}