{"citations":{"source_mix":{"company_owned":15,"independent":14,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":21,"partial":7},"total_sources":29,"unique_domain_count":15},"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":["anthropic","google","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"20-Pay Whole Life Insurance","subject":"Shelter Insurance","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Shelter Insurance","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Shelter Insurance","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Shelter Insurance","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Shelter Insurance","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.25,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"Shelter Insurance","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/whole-life-insurance/20-pay-whole-life-insurance/shelter-insurance.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/20-pay-whole-life-insurance/shelter-insurance","report_type":"fit_review","study_id":"LICI-STUDY-D499A97D8329","title":"Shelter Insurance 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.","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_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 15:26:07.349595+00","research_date":"2026-09-20","source_snapshot_sha256":"e14c0f4e851a2a42394620ad85a09fddb7228edeffe7e5d88395e8d5c79967a0","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":25,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Shelter Insurance is a good fit for buyers who live in its operating states and want a named 20-pay whole life policy with level premiums, lifetime coverage, and cash value access. Four of seven platforms named Shelter during the ranking stage, a 57% share, with an average listed rank of 6.25 and a best rank of 4. The strongest reason to consider it is that Shelter directly markets a 20-Pay Whole Life product matching the requested structure, backed by an AM Best A (Excellent) financial-strength rating. The main limitation is that Shelter publishes no rates, no guaranteed cash-value…","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"}}