{"citations":{"source_mix":{"company_owned":14,"independent":11,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":17,"partial":9},"total_sources":28,"unique_domain_count":15},"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-Net-Worth Individuals","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi"],"predicate":"final_consensus_rank","qualifier":"Whole Life Insurance for High-Net-Worth Individuals","subject":"OneAmerica","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"OneAmerica","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"OneAmerica","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"OneAmerica","unit":"platforms","value":3},{"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":9,"best_rank":9,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"OneAmerica","platform_mentions":2,"platform_share":0.3333333333333333}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/whole-life-insurance/whole-life-insurance-for-high-net-worth-individuals/oneamerica.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/whole-life-insurance-for-high-net-worth-individuals/oneamerica","report_type":"fit_review","study_id":"LICI-STUDY-C7F816716211","title":"OneAmerica 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.","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":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 20:29:47.828962+00","research_date":"2026-09-20","source_snapshot_sha256":"1e0a396156a7c39ae9a5678136ee5fcb27c3a53f7f1069d2ebcab762265def1c","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":15,"qualified_finalists":10,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"OneAmerica is a qualified but not clearly best-in-class fit for high-net-worth buyers seeking whole life insurance for estate, legacy, liquidity, or cash-value purposes. Two of six platforms named OneAmerica during the ranking stage, giving it a 33.3% share of included platform responses, an average listed rank of 9.0, and a best listed rank of 9. The strongest reason to consider it is a financially strong issuing carrier — American United Life Insurance Company (AUL) — paired with conventional participating whole life features, including paid-up additions and a reported 6% paid-up-addition…","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"}}