{"citations":{"source_mix":{"company_owned":14,"independent":16,"unclear":8},"sources_referenced_by_questions":0,"support_mix":{"direct":28,"partial":10},"total_sources":38,"unique_domain_count":15},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Indexed Universal Life Insurance Companies Overall","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google","kimi"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance","subject":"John Hancock","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google","kimi"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"John Hancock","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"John Hancock","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"John Hancock","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","grok"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"John Hancock","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":8.333333333333334,"best_rank":8,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"John Hancock","platform_mentions":3,"platform_share":0.5}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance/john-hancock.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance/john-hancock","report_type":"fit_review","study_id":"LICI-STUDY-FB57748E586D","title":"John Hancock for Indexed Universal Life Insurance: 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.","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":6,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["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":"2026-09-20 21:48:10.653725+00","research_date":"2026-09-20","source_snapshot_sha256":"4f5ba4693ebc72f89af2921fcf21214d586390415e176a625800e57c2af55841","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"John Hancock is a good, but not conclusively best-in-market, fit for a buyer seeking Indexed Universal Life Insurance with permanent death-benefit protection, flexible premiums, and index-linked cash-value potential. Three of six platforms named John Hancock during the ranking stage, and it finished seventh overall with an average listed rank of 8.3. The strongest reason to consider it is a documented IUL family — Accumulation IUL, Protection IUL, and survivorship variants — with a stated 0% indexed-account floor, flexible premium allocation, and no-lapse guarantees. The main limitation is…","target_buyer":"A consumer wants indexed universal life insurance that provides permanent death-benefit protection, flexible premiums, and cash-value growth tied to the performance of one or more market indexes subject to policy caps, participation rates, floors, charges, and other policy terms.","topic":{"base_category":"Universal and Indexed Universal Life Insurance","category_criteria":["They want a financially established carrier","competitive policy design","strong long-term value","and clear illustrations."],"geography":"United States","slug":"best-indexed-universal-life-insurance-companies-overall","title":"Best Indexed Universal Life Insurance Companies Overall","use_case":"Indexed Universal Life Insurance"}}