{"buyer_scenarios":[{"fit":"best_suited","scenario":"Large permanent policies intended for estate liquidity, legacy funding, business continuity, or wealth transfer (openai, anthropic, google, kimi)."},{"fit":"best_suited","scenario":"Couples considering survivorship whole life with a limited premium-paying period (openai, anthropic, google)."},{"fit":"best_suited","scenario":"Buyers seeking guaranteed cash-value growth plus potential non-guaranteed dividends (openai, grok, perplexity)."},{"fit":"best_suited","scenario":"Buyers who value a mutual structure with direct participation in dividend earnings (-2, deepseek:cit3)."},{"fit":"not_best_suited","scenario":"Buyers needing coverage exceeding approximately $2 million in a single policy, if the reported cap is accurate (-6)."},{"fit":"not_best_suited","scenario":"Buyers who need only temporary income-replacement coverage at the lowest initial cost (openai, kimi)."},{"fit":"not_best_suited","scenario":"Buyers unwilling or unable to sustain substantial whole-life premiums (openai)."},{"fit":"not_best_suited","scenario":"Buyers seeking guaranteed investment-like returns or guaranteed dividend performance (openai)."}],"citations":{"source_mix":{"company_owned":21,"independent":19,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":9},"total_sources":41,"unique_domain_count":19},"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 High-Net-Worth Individuals","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 High-Net-Worth Individuals","subject":"New York Life","unit":"rank","value":3},{"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":2.5714285714285716,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"New York Life","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/whole-life-insurance/whole-life-insurance-for-high-net-worth-individuals/new-york-life.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/whole-life-insurance-for-high-net-worth-individuals/new-york-life","report_type":"fit_review","study_id":"LICI-STUDY-FC57FC686B8F","title":"New York Life for Whole Life Insurance for High-Net-Worth Individuals: 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.","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 16:17:16.715467+00","research_date":"2026-09-20","source_snapshot_sha256":"16ce81e396432103f19870ed8576b5da935daf0336d433d0022507a10983c2e3","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":17,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"New York Life is a strong fit for high-net-worth buyers using whole life insurance for estate, legacy, liquidity, or cash-value strategy, provided they accept agent-mediated purchasing and verify policy-level pricing. All seven included AI platforms named New York Life during ranking discovery, and it finished third overall with an average listed rank of 2.57 and a best rank of 1. The strongest reason to consider it is a combination of top-tier financial-strength ratings from all four major agencies, a reported 172nd consecutive annual dividend, and a product lineup spanning Custom Whole…","target_buyer":"A high-net-worth consumer is considering whole life insurance as part of a broader long-term estate, legacy, liquidity, or cash-value strategy.","topic":{"base_category":"Whole Life Insurance","category_criteria":["They want a financially strong carrier capable of supporting large permanent policies","sophisticated policy design","strong guarantees","and competitive participating features where applicable."],"geography":"United States","slug":"best-whole-life-insurance-for-high-net-worth-individuals","title":"Best Whole Life Insurance for High-Net-Worth Individuals","use_case":"Whole Life Insurance for High-Net-Worth Individuals"}}