{"citations":{"source_mix":{"company_owned":31,"independent":12,"unclear":5},"sources_referenced_by_questions":0,"support_mix":{"direct":35,"partial":13},"total_sources":48,"unique_domain_count":23},"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 With Strong Long-Term Guarantees","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google","grok","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance With Strong Long-Term Guarantees","subject":"Nationwide","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google","grok","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Nationwide","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Nationwide","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic"],"predicate":"fit_rating_count","qualifier":"good","subject":"Nationwide","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","grok","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Nationwide","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.8,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Nationwide","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-with-strong-long-term-guarantees/nationwide.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-with-strong-long-term-guarantees/nationwide","report_type":"fit_review","study_id":"LICI-STUDY-465BEDCCD1A2","title":"Nationwide 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":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 19:18:26.785116+00","research_date":"2026-09-20","source_snapshot_sha256":"4380036b415a1db7df4934cb4ece8d16552d5ae7cdb1cfe9d8216eef2ac9ae9c","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":17,"qualified_finalists":8,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Nationwide is a good, but not unanimous, fit for buyers who want Indexed Universal Life Insurance With Strong Long-Term Guarantees. Five of the seven platforms in this study named Nationwide during the ranking stage, and it finished third overall with an average listed rank of 4.8 and a best rank of 2. Its strongest asset for this use case is the Indexed UL Protector II 2020, which offers an optional Extended No-Lapse Guarantee Rider with age-90 or age-120 options where available, backed by published A+ / A+ / A1 financial-strength ratings. The main limitation is that 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"}}