{"buyer_scenarios":[{"fit":"best_suited","scenario":"Couples seeking a second-to-die policy intended to transfer wealth after both insureds die (openai:nyl-survivorship, , google:citnylsurvivorship)."},{"fit":"best_suited","scenario":"Buyers who can sustain permanent-policy premiums and prioritize guaranteed lifetime coverage over lowest initial cost (openai:nyl-whole-life, deepseek:nywl)."},{"fit":"best_suited","scenario":"Buyers wanting a limited-pay design such as Custom Whole Life or Custom Survivorship Whole Life to complete premiums before retirement or an anticipated transfer date (-13, google:citnylcustomwl)."},{"fit":"best_suited","scenario":"Estate owners seeking potential liquidity for heirs, subject to individualized tax and legal advice (openai:nyl-survivorship, kimi:moneygeek-1)."},{"fit":"not_best_suited","scenario":"Families needing income replacement or debt liquidity immediately after the first spouse dies. A survivorship policy pays nothing at the first death, so funeral costs, debts, and surviving-spouse expenses must be…"},{"fit":"not_best_suited","scenario":"Buyers whose primary objective is the lowest-cost death benefit (openai:nyl-whole-life, deepseek:wfcompare)."},{"fit":"not_best_suited","scenario":"Buyers seeking instant online quotes and self-service digital purchasing. New York Life does not offer online quotes and sells through agents (-10, -3, deepseek:nywl)."},{"fit":"not_best_suited","scenario":"Buyers unable or unwilling to evaluate policy illustrations, surrender values, loan effects, and dividend assumptions (openai:nyl-whole-life)."}],"citations":{"source_mix":{"company_owned":34,"independent":21,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":45,"partial":9},"total_sources":57,"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 Whole Life Insurance for Estate and Legacy Planning","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 Estate and Legacy Planning","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","perplexity","kimi","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":["deepseek"],"predicate":"fit_rating_count","qualifier":"good","subject":"New York Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2,"best_rank":1,"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-estate-and-legacy-planning/new-york-life.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/whole-life-insurance-for-estate-and-legacy-planning/new-york-life","report_type":"fit_review","study_id":"LICI-STUDY-863156699B9F","title":"New York Life for Whole Life Insurance for Estate and Legacy Planning: 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 15:51:44.227878+00","research_date":"2026-09-20","source_snapshot_sha256":"51724b297523c242cc3f6c2b68af271efacbefe39c62484ee65ff850e7247d7d","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":15,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"New York Life is a strong fit for a financially secure buyer who wants permanent whole life coverage to leave a predictable death benefit to heirs, particularly a married couple using a second-to-die (survivorship) design. All seven platforms named New York Life during the ranking stage — a 100% share of included platform responses — at an average listed rank of 2.0 and a best rank of 1. The strongest reason to consider it is the combination of company-reported top financial-strength ratings, a long dividend record, and a survivorship product built for legacy transfer. The main limitation is…","target_buyer":"A financially secure consumer wants permanent life insurance primarily to leave a predictable death benefit to heirs or other beneficiaries regardless of when death occurs.","topic":{"base_category":"Whole Life Insurance","category_criteria":["They value strong contractual guarantees","a financially established insurer","dependable long-term coverage","and policy design appropriate for legacy planning rather than short-term income replacement."],"geography":"United States","slug":"best-whole-life-insurance-for-estate-and-legacy-planning","title":"Best Whole Life Insurance for Estate and Legacy Planning","use_case":"Whole Life Insurance for Estate and Legacy Planning"}}