{"citations":{"source_mix":{"company_owned":25,"independent":25,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":42,"partial":7},"total_sources":51,"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 Policy Loans and Cash Value Access","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Whole Life Insurance for Policy Loans and Cash Value Access","subject":"New York Life Insurance Company","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"New York Life Insurance Company","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"New York Life Insurance Company","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","deepseek","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"New York Life Insurance Company","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.5,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"New York Life Insurance Company","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/whole-life-insurance/whole-life-insurance-for-policy-loans-and-cash-value-access/new-york-life-insurance-company.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/whole-life-insurance-for-policy-loans-and-cash-value-access/new-york-life-insurance-company","report_type":"fit_review","study_id":"LICI-STUDY-58D229AFA4B3","title":"New York Life Insurance Company for Whole Life Insurance for Policy Loans and Cash Value Access: 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 16:47:22.737874+00","research_date":"2026-09-20","source_snapshot_sha256":"23243e175e52db83be1a34bbb31fe41ed4a811686fddbdd7e6591adb55bfcd70","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"New York life insurance Company is a good fit for a buyer who wants participating whole life insurance with policy-loan and cash-value access from a financially strong mutual insurer. Six of the seven platforms named it during the ranking stage (86% of included platform responses), with an average listed rank of 3.5 and a best rank of 2. The strongest reason to consider it is its combination of top-tier financial-strength ratings, a long dividend history, and product materials that expressly describe cash-value loans and withdrawals. The main limitation is that exact loan rates, dividend…","target_buyer":"A consumer wants whole life insurance partly because they value the ability to access accumulated policy cash value through withdrawals or policy loans subject to policy terms.","topic":{"base_category":"Whole Life Insurance","category_criteria":["They want strong cash-value accumulation","flexible loan provisions","clear treatment of loan interest and outstanding balances","and a financially established insurer."],"geography":"United States","slug":"best-whole-life-insurance-for-policy-loans-and-cash-value-access","title":"Best Whole Life Insurance for Policy Loans and Cash Value Access","use_case":"Whole Life Insurance for Policy Loans and Cash Value Access"}}