{"citations":{"source_mix":{"company_owned":32,"independent":19,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":41,"partial":11},"total_sources":52,"unique_domain_count":21},"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 Participating Whole Life Insurance Companies","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Participating Whole Life Insurance","subject":"New York Life","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"New York Life","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"New York Life","unit":"platforms","value":6},{"claim_id":"claim-005","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":2.5714285714285716,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"New York Life","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/whole-life-insurance/participating-whole-life-insurance/new-york-life.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/participating-whole-life-insurance/new-york-life","report_type":"fit_review","study_id":"LICI-STUDY-EE4DFA0644E6","title":"New York Life for Participating 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.","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 13:43:21.086826+00","research_date":"2026-09-20","source_snapshot_sha256":"16f01b7e32e1ab98e906dc8e9c847f147e03e8c5b1eff55f44d4e46a77aa5cf0","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":17,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"New York Life is a strong fit for a buyer seeking Participating Whole Life Insurance with permanent coverage, guaranteed cash values, level premiums, and possible policyholder dividends. All seven platforms named New York Life during the ranking stage — a 100% share of included platform responses — at an average listed rank of 2.57 and a best listed rank of 2. The strongest reason to consider it is its mutual structure combined with a company-reported 172-year consecutive dividend record and top financial-strength ratings. The main limitation is that dividends are not guaranteed, premiums…","target_buyer":"A consumer specifically wants participating whole life insurance that may be eligible to receive policyholder dividends while also providing permanent coverage, guaranteed cash values, and level premiums.","topic":{"base_category":"Whole Life Insurance","category_criteria":["They understand dividends are not guaranteed and want financially established mutual or participating insurers with strong policy options and a long history in the whole life market."],"geography":"United States","slug":"best-participating-whole-life-insurance-companies","title":"Best Participating Whole Life Insurance Companies","use_case":"Participating Whole Life Insurance"}}