{"citations":{"source_mix":{"company_owned":30,"independent":18,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":37,"partial":12},"total_sources":49,"unique_domain_count":24},"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","deepseek","google","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance With Strong Long-Term Guarantees","subject":"Pacific Life","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Pacific Life","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Pacific Life","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Pacific Life","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Pacific Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.8333333333333335,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Pacific Life","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-with-strong-long-term-guarantees/pacific-life.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance-with-strong-long-term-guarantees/pacific-life","report_type":"fit_review","study_id":"LICI-STUDY-97439D928952","title":"Pacific Life 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.","The deterministic identity audit contains qualification notes that must be disclosed where relevant.","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 19:19:19.611843+00","research_date":"2026-09-20","source_snapshot_sha256":"f7cc86c5a88b0277508ab8d2f66c255cd9e541ee29fbd2273ce15aa3f6ce9669","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":17,"qualified_finalists":8,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Pacific Life is a strong-to-good fit for a buyer who wants Indexed Universal Life Insurance With Strong Long-Term Guarantees, provided the buyer understands that the guarantees protect death-benefit continuity, not cash-value growth. Six of seven platforms named Pacific Life during the ranking stage, and it finished first overall with an average listed rank of 2.83. The strongest reason to consider it is the combination of high financial-strength ratings and no-lapse protection: eligible Pacific Horizon IUL 2 policies include a no-lapse guarantee to age 90, with an optional rider that can…","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"}}