{"citations":{"source_mix":{"company_owned":19,"independent":21,"unclear":4},"sources_referenced_by_questions":0,"support_mix":{"direct":32,"partial":11},"total_sources":44,"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","perplexity"],"predicate":"final_consensus_rank","qualifier":"Survivorship Universal Life Insurance for Estate and Legacy Planning","subject":"Lincoln National Life Insurance Company","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-21","platform_support":["anthropic","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Lincoln National Life Insurance Company","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.5,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Lincoln National Life Insurance Company","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/universal-and-indexed-universal-life-insurance/survivorship-universal-life-insurance-for-estate-and-legacy-planning/lincoln-national-life-insurance-company.json","page_url":"https://lifeinsuranceconsensusindex.com/universal-and-indexed-universal-life-insurance/survivorship-universal-life-insurance-for-estate-and-legacy-planning/lincoln-national-life-insurance-company","report_type":"fit_review","study_id":"LICI-STUDY-212BCF4DF250","title":"Lincoln National Life Insurance Company 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.","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 22:03:10.229549+00","research_date":"2026-09-21","source_snapshot_sha256":"26a8ff8656ade7e1fe200965254679cb1513f2f6e21678e116374a83fb8c8cbb","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Lincoln National life insurance Company is a good, but not clearly strongest, fit for affluent couples seeking second-to-die permanent coverage for estate liquidity or legacy transfer. Two of seven platforms named Lincoln during the ranking stage, and six of seven returned a usable fit assessment. The strongest reason to consider it is Lincoln WealthPreserve® 2 SIUL, a purpose-built survivorship indexed universal life policy that insures two lives and pays at the second death, backed by strong reported insurer ratings. The main limitation is that no public quote, guaranteed-illustration…","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"}}