{"citations":{"source_mix":{"company_owned":11,"independent":17,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":20,"partial":7},"total_sources":28,"unique_domain_count":11},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Whole Life Insurance for High Early Cash Value","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","perplexity"],"predicate":"final_consensus_rank","qualifier":"Whole Life Insurance for High Early Cash Value","subject":"State Farm","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","perplexity"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"State Farm","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"State Farm","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","deepseek","grok","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"State Farm","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"State Farm","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7.5,"best_rank":7,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"State Farm","platform_mentions":2,"platform_share":0.3333333333333333}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/whole-life-insurance/whole-life-insurance-for-high-early-cash-value/state-farm.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/whole-life-insurance-for-high-early-cash-value/state-farm","report_type":"fit_review","study_id":"LICI-STUDY-2728376180EB","title":"State Farm for Whole Life Insurance for High Early Cash Value: 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.","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":6,"maximum_finalists":10,"minimum_mentions":2,"name":"Life Insurance Consensus Index cross-platform AI consensus analysis","platforms_included":["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":"2026-09-20 18:45:21.04942+00","research_date":"2026-09-20","source_snapshot_sha256":"a8360646888b1418e493885f49cd09a3b889f0e54127aab9528c9bca7d754754","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":19,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"State Farm is a mixed fit for whole life insurance designed around high early cash value. Two of the six platforms that evaluated fit named State Farm during the ranking stage — DeepSeek (rank 8) and Perplexity (rank 7) — giving it a 33% share of included platform responses and an average listed rank of 7.5. The strongest reason to consider it is that State Farm offers participating whole life with dividend-funded paid-up additions, limited-pay options, and single-premium funding from a large, established insurer (openai:sfwholelife, , ). The main limitation is that no reviewed source…","target_buyer":"A consumer wants whole life insurance but places unusual importance on accumulating accessible cash value during the earlier years of the policy rather than maximizing only the distant long-term death benefit.","topic":{"base_category":"Whole Life Insurance","category_criteria":["They are willing to consider policy designs using appropriate base coverage and paid-up additions where available and want a financially established insurer with flexible policy design."],"geography":"United States","slug":"best-whole-life-insurance-for-high-early-cash-value","title":"Best Whole Life Insurance for High Early Cash Value","use_case":"Whole Life Insurance for High Early Cash Value"}}