{"citations":{"source_mix":{"company_owned":12,"independent":19,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":26,"partial":5},"total_sources":31,"unique_domain_count":22},"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 20-Pay Whole Life Insurance","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["google","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"20-Pay Whole Life Insurance","subject":"Nationwide","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["google","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Nationwide","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Nationwide","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Nationwide","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Nationwide","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/whole-life-insurance/20-pay-whole-life-insurance/nationwide.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/20-pay-whole-life-insurance/nationwide","report_type":"fit_review","study_id":"LICI-STUDY-12D1733E5657","title":"Nationwide for 20-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.","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_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 15:25:20.226618+00","research_date":"2026-09-20","source_snapshot_sha256":"3cb578fbd0f2fa9bece2b2b7c71005f7d7de011ed6aabbfc6226539ff66b42c7","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":25,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Nationwide is a good fit for a buyer who wants permanent whole life coverage with scheduled premiums completed in about 20 years, lifetime coverage, and guaranteed cash-value growth. Three of seven platforms named Nationwide during the ranking stage (google, grok, kimi), and five of seven platform fit assessments rated it \"good,\" while two rated it \"uncertain.\" The strongest reason to consider it is a direct product match: Nationwide publicly describes 20-pay Whole Life premiums that stay level until the policy is paid after 20 years, backed by favorable reported life-company…","target_buyer":"A consumer wants permanent whole life insurance but prefers a limited-payment structure in which scheduled premiums are completed over approximately 20 years.","topic":{"base_category":"Whole Life Insurance","category_criteria":["They want lifetime coverage","guaranteed cash values","competitive policy design","and a financially established carrier."],"geography":"United States","slug":"best-20-pay-whole-life-insurance","title":"Best 20-Pay Whole Life Insurance","use_case":"20-Pay Whole Life Insurance"}}