{"citations":{"source_mix":{"company_owned":17,"independent":13,"unclear":6},"sources_referenced_by_questions":0,"support_mix":{"direct":27,"partial":9},"total_sources":36,"unique_domain_count":24},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-21","predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Survivorship Universal Life Insurance for Estate and Legacy Planning","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-21","platform_support":["anthropic","deepseek","google"],"predicate":"final_consensus_rank","qualifier":"Survivorship Universal Life Insurance for Estate and Legacy Planning","subject":"John Hancock","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-21","platform_support":["anthropic","deepseek","google"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"John Hancock","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.3333333333333335,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"John Hancock","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/survivorship-universal-life-insurance-for-estate-and-legacy-planning/john-hancock.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/survivorship-universal-life-insurance-for-estate-and-legacy-planning/john-hancock","report_type":"fit_review","study_id":"LICI-STUDY-714AE9F0BFB2","title":"John Hancock for Survivorship Universal Life Insurance for Estate and Legacy Planning: 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.","6 of 7 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.","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_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 22:01:33.684918+00","research_date":"2026-09-21","source_snapshot_sha256":"386259de5e9dff063a609059a28efff0cb606d77af954258de7111004dc6bd0c","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"John Hancock is a good, but not conclusively best, fit for affluent couples seeking second-to-die universal life coverage for estate liquidity and legacy planning. Three of the seven platforms in this study named John Hancock during the ranking stage — a 42.9% share of included platform responses — with an average listed rank of 3.33 and a best listed rank of 2. The strongest reason to consider it is a documented survivorship product family spanning no-lapse-guarantee Protection SUL, indexed Protection SIUL, and accumulation-oriented designs, plus reported policy limits up to $65 million.…","target_buyer":"A married couple or two insured individuals with substantial assets wants permanent life insurance that pays a death benefit after the second insured person dies.","topic":{"base_category":"Universal and Indexed Universal Life Insurance","category_criteria":["They are considering survivorship or second-to-die universal life insurance for estate liquidity","inheritance","legacy","or related long-term planning and want a financially established carrier with strong guarantees","competitive pricing","and experience with large survivorship policies."],"geography":"United States","slug":"best-survivorship-universal-life-insurance-for-estate-and-legacy-planning","title":"Best Survivorship Universal Life Insurance for Estate and Legacy Planning","use_case":"Survivorship Universal Life Insurance for Estate and Legacy Planning"}}