{"citations":{"source_mix":{"company_owned":20,"independent":5,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":22,"partial":6},"total_sources":28,"unique_domain_count":15},"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 Companies Overall","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Indexed Universal Life Insurance","subject":"Protective Indexed Choice UL","unit":"rank","value":9},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Protective Indexed Choice UL","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":9,"name":"Protective Indexed Choice UL","platform_mentions":2,"platform_share":0.3333333333333333}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance/protective-indexed-choice-ul.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/indexed-universal-life-insurance/protective-indexed-choice-ul","report_type":"fit_review","study_id":"LICI-STUDY-0FF3FBAEFB3E","title":"Protective Indexed Choice UL 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.","5 of 6 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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","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_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 22:02:58.874384+00","research_date":"2026-09-20","source_snapshot_sha256":"22a286be56d336f8550221737731c7320d468eafcaa3bfa3b63684832b5604ae","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Protective Indexed Choice UL is a mixed fit for a buyer seeking Indexed Universal Life Insurance. Two of six included platforms named it during the ranking stage, and five of six returned a usable fit assessment. The strongest reason to consider it is a documented structure: permanent death-benefit protection, flexible premiums, a fixed account, an S&P 500 indexed account with a guaranteed 100% participation rate, a guaranteed minimum cap of 3%, and a 0% indexed-account floor . The main limitation is availability: a Protective transition notice states the product closed to new sales…","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"}}