{"citations":{"source_mix":{"company_owned":20,"independent":18,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":8},"total_sources":39,"unique_domain_count":18},"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 Dividends","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Whole Life Insurance for Dividends","subject":"OneAmerica","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","google","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"OneAmerica","unit":"platforms","value":4},{"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"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"OneAmerica","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"OneAmerica","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7.75,"best_rank":7,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"OneAmerica","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/whole-life-insurance/whole-life-insurance-for-dividends/oneamerica.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/whole-life-insurance-for-dividends/oneamerica","report_type":"fit_review","study_id":"LICI-STUDY-747E449EBD99","title":"OneAmerica for Whole Life Insurance for Dividends: 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 14:19:32.317731+00","research_date":"2026-09-20","source_snapshot_sha256":"ee32e2998f5dc0902c1b71c1c77a09d2c06d59a7bd695ee541fddba82634d4c0","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"OneAmerica is a good fit for a buyer who wants participating whole life insurance with guaranteed cash-value features plus an optional, company-specific mechanism for linking part of the dividend to S&P 500 performance. Four of seven platforms named OneAmerica during ranking discovery, at an average listed rank of 7.75 and a best rank of 7. The strongest reason to consider it is the Indexed Dividend Crediting Option (IDO) Rider, which OneAmerica describes as allowing policyholders to allocate all or part of a dividend to an S&P 500-linked calculation with potential for up to double the…","target_buyer":"A consumer wants participating whole life insurance and considers the insurer's dividend history, financial strength, policy design, and potential use of dividends especially important.","topic":{"base_category":"Whole Life Insurance","category_criteria":["They understand that future dividends are not guaranteed and want to compare established carriers with strong participating whole life programs."],"geography":"United States","slug":"best-whole-life-insurance-for-dividends","title":"Best Whole Life Insurance for Dividends","use_case":"Whole Life Insurance for Dividends"}}