{"citations":{"source_mix":{"company_owned":20,"independent":9,"unclear":5},"sources_referenced_by_questions":0,"support_mix":{"direct":21,"partial":12},"total_sources":34,"unique_domain_count":14},"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 Cash Value Accumulation","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Whole Life Insurance for Cash Value Accumulation","subject":"OneAmerica","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"OneAmerica","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":"OneAmerica","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"OneAmerica","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":9,"best_rank":8,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"OneAmerica","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/whole-life-insurance/whole-life-insurance-for-cash-value-accumulation/oneamerica.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/whole-life-insurance-for-cash-value-accumulation/oneamerica","report_type":"fit_review","study_id":"LICI-STUDY-2FCFFFAA17B3","title":"OneAmerica for Whole Life Insurance for Cash Value Accumulation: 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 14:00:20.694681+00","research_date":"2026-09-20","source_snapshot_sha256":"1791b65bc9c17797baa0abf36816ac776a7e84e64464128c532283fb55ee6744","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"OneAmerica is a good, but not demonstrably best-in-class, fit for a buyer who wants permanent life insurance with efficient long-term cash value accumulation. Three of seven platforms named OneAmerica during the ranking stage, placing it at an average listed rank of 9.0 (best rank 8). The strongest reason to consider it is a participating whole life structure with guaranteed cash value growth, reported A+ (A.M. Best) and AA- (S&P) ratings, and a low reported 6% paid-up-additions load. The main limitation is that OneAmerica publishes no standardized premiums, guaranteed cash value schedules,…","target_buyer":"A consumer wants permanent life insurance and places a high priority on building cash value efficiently over the long term while maintaining a meaningful death benefit.","topic":{"base_category":"Whole Life Insurance","category_criteria":["They want a financially established carrier","strong guaranteed policy values","competitive non-guaranteed potential where applicable","and flexible access to accumulated cash value."],"geography":"United States","slug":"best-whole-life-insurance-for-cash-value-accumulation","title":"Best Whole Life Insurance for Cash Value Accumulation","use_case":"Whole Life Insurance for Cash Value Accumulation"}}