{"citations":{"source_mix":{"company_owned":21,"independent":24,"unclear":4},"sources_referenced_by_questions":0,"support_mix":{"direct":34,"partial":15},"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 10-Pay Whole Life Insurance","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"10-Pay Whole Life Insurance","subject":"New York Life","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"New York Life","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"New York Life","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"New York Life","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"New York Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.4,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"New York Life","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/whole-life-insurance/10-pay-whole-life-insurance/new-york-life.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/10-pay-whole-life-insurance/new-york-life","report_type":"fit_review","study_id":"LICI-STUDY-0BFF8B748D7F","title":"New York Life for 10-Pay Whole 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.","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 14:58:22.640555+00","research_date":"2026-09-20","source_snapshot_sha256":"e72c764b06cfe29c4e7659178f816801300094d1cab56e48c260a98a95057a13","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":19,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"New York Life is a good fit for a buyer who wants 10-Pay Whole Life Insurance, but the fit is conditional rather than clean. Five of seven platforms named New York Life during the ranking stage, with an average listed rank of 4.4 and a best rank of 2. The strongest reason to consider it is that Custom Whole Life can be configured with a 10-year premium-paying period, backed by top-tier financial-strength ratings and a long dividend history. The main limitation is that New York Life does not publish 10-pay pricing, does not sell online, and does not market a dedicated branded 10-pay product,…","target_buyer":"A consumer wants permanent whole life insurance but prefers to complete all scheduled premium payments over approximately 10 years rather than paying premiums throughout life.","topic":{"base_category":"Whole Life Insurance","category_criteria":["They want lifetime coverage after the limited-pay period","guaranteed values","cash-value accumulation","and a financially established insurer."],"geography":"United States","slug":"best-10-pay-whole-life-insurance","title":"Best 10-Pay Whole Life Insurance","use_case":"10-Pay Whole Life Insurance"}}