{"citations":{"source_mix":{"company_owned":32,"independent":24,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":47,"partial":9},"total_sources":56,"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 Whole Life Insurance for Business Owners","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":"Whole Life Insurance for Business Owners","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","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"New York Life","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"New York Life","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.2857142857142856,"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/whole-life-insurance-for-business-owners/new-york-life.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/whole-life-insurance-for-business-owners/new-york-life","report_type":"fit_review","study_id":"LICI-STUDY-37E118CE1FF4","title":"New York Life for Whole Life Insurance for Business Owners: 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 16:20:39.434298+00","research_date":"2026-09-20","source_snapshot_sha256":"14bb882626eb012e6b8eb2247e2250e611cf5395af30e5b44e102702c4799f37","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 business owners who want permanent, participating whole life insurance from a financially established mutual insurer, particularly for succession, key-person, buy-sell, legacy, or cash-value objectives. All seven platforms that named carriers in the ranking stage included New York Life, and it finished second overall with an average listed rank of 3.29. The strongest reason to consider it is the combination of top-tier reported financial-strength ratings, a long dividend-paying history, and explicit business-owner planning resources. The main limitation is…","target_buyer":"A business owner wants permanent life insurance that may serve long-term needs such as business succession, key-person protection, buy-sell planning, legacy needs, or cash-value accumulation.","topic":{"base_category":"Whole Life Insurance","category_criteria":["They want a financially established insurer","flexible policy design","strong guarantees","and the ability to support substantial coverage where financially justified."],"geography":"United States","slug":"best-whole-life-insurance-for-business-owners","title":"Best Whole Life Insurance for Business Owners","use_case":"Whole Life Insurance for Business Owners"}}