{"citations":{"source_mix":{"company_owned":154,"independent":158,"unclear":25},"sources_referenced_by_questions":0,"support_mix":{"direct":242,"partial":69},"total_sources":337,"unique_domain_count":89},"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 With Paid-Up Additions","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 With Paid-Up Additions","subject":"Penn Mutual","unit":"rank","value":1},{"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":"Penn Mutual","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Whole Life Insurance With Paid-Up Additions","subject":"Security Mutual Life Insurance Company","unit":"rank","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Security Mutual Life Insurance Company","unit":"platforms","value":7},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Whole Life Insurance With Paid-Up Additions","subject":"Guardian Life","unit":"rank","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Guardian Life","unit":"platforms","value":7},{"claim_id":"claim-008","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","grok","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Whole Life Insurance With Paid-Up Additions","subject":"New York Life","unit":"rank","value":4},{"claim_id":"claim-009","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","grok","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"New York Life","unit":"platforms","value":5},{"claim_id":"claim-010","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","openai"],"predicate":"final_consensus_rank","qualifier":"Whole Life Insurance With Paid-Up Additions","subject":"Northwestern Mutual","unit":"rank","value":5},{"claim_id":"claim-011","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","deepseek","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Northwestern Mutual","unit":"platforms","value":3},{"claim_id":"claim-012","confidence":"verified","observed_at":"2026-09-20","platform_support":["google","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Whole Life Insurance With Paid-Up Additions","subject":"Lafayette Life","unit":"rank","value":6},{"claim_id":"claim-013","confidence":"verified","observed_at":"2026-09-20","platform_support":["google","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Lafayette Life","unit":"platforms","value":3},{"claim_id":"claim-014","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Whole Life Insurance With Paid-Up Additions","subject":"Ameritas Life Insurance Corp.","unit":"rank","value":7},{"claim_id":"claim-015","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Ameritas Life Insurance Corp.","unit":"platforms","value":3},{"claim_id":"claim-016","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google","kimi"],"predicate":"final_consensus_rank","qualifier":"Whole Life Insurance With Paid-Up Additions","subject":"OneAmerica","unit":"rank","value":8},{"claim_id":"claim-017","confidence":"verified","observed_at":"2026-09-20","platform_support":["deepseek","google","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"OneAmerica","unit":"platforms","value":3},{"claim_id":"claim-018","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","perplexity"],"predicate":"final_consensus_rank","qualifier":"Whole Life Insurance With Paid-Up Additions","subject":"Mutual of Omaha","unit":"rank","value":9},{"claim_id":"claim-019","confidence":"verified","observed_at":"2026-09-20","platform_support":["anthropic","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Mutual of Omaha","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.142857142857143,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Penn Mutual","platform_mentions":7,"platform_share":1},{"average_rank":2.5714285714285716,"best_rank":1,"entity_id":"entity-002","entity_type":"company","final_rank":2,"name":"Security Mutual Life Insurance Company","platform_mentions":7,"platform_share":1},{"average_rank":3,"best_rank":2,"entity_id":"entity-003","entity_type":"company","final_rank":3,"name":"Guardian Life","platform_mentions":7,"platform_share":1},{"average_rank":4.2,"best_rank":3,"entity_id":"entity-004","entity_type":"company","final_rank":4,"name":"New York Life","platform_mentions":5,"platform_share":0.7142857142857143},{"average_rank":3.6666666666666665,"best_rank":2,"entity_id":"entity-005","entity_type":"company","final_rank":5,"name":"Northwestern Mutual","platform_mentions":3,"platform_share":0.42857142857142855},{"average_rank":3.6666666666666665,"best_rank":3,"entity_id":"entity-006","entity_type":"company","final_rank":6,"name":"Lafayette Life","platform_mentions":3,"platform_share":0.42857142857142855},{"average_rank":6,"best_rank":5,"entity_id":"entity-007","entity_type":"company","final_rank":7,"name":"Ameritas Life Insurance Corp.","platform_mentions":3,"platform_share":0.42857142857142855},{"average_rank":7,"best_rank":3,"entity_id":"entity-008","entity_type":"company","final_rank":8,"name":"OneAmerica","platform_mentions":3,"platform_share":0.42857142857142855},{"average_rank":6.5,"best_rank":5,"entity_id":"entity-009","entity_type":"company","final_rank":9,"name":"Mutual of Omaha","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/whole-life-insurance/whole-life-insurance-with-paid-up-additions.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/whole-life-insurance-with-paid-up-additions","report_type":"best_of_index","study_id":"LICI-STUDY-049441E40BF7","title":"Best Whole Life Insurance for Whole Life Insurance With Paid-Up Additions: 7-Platform AI Consensus Index"},"limitations":["Exactly 7 platforms were included in this run: openai, anthropic, deepseek, grok, perplexity, kimi, google. The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a entity evidence bundle.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each entity bundle are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path.","Use the exact entity-namespaced citation IDs from the source catalog (e.g. e1:); never transfer a citation between entities."],"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 14:59:41.219037+00","research_date":"2026-09-20","source_snapshot_sha256":"6b0180ced4cbf3835d5adb3a89d0ac321e220f03c1cb396de5e3355bffe84789","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"Penn Mutual is the consensus leader for whole life insurance with paid-up additions, named by all 7 platforms studied with an average listed position of 2.14 and a best position of 1. Security Mutual Life Insurance Company and Guardian Life also appeared on all 7 platforms, making them the strongest alternatives for buyers who prioritize flexible PUA funding or a top-tier A++ financial-strength rating, respectively. New York Life is the strongest option for buyers who want the highest available ratings from all four major agencies plus a non-direct-recognition loan structure. The study…","target_buyer":"A consumer wants whole life insurance that allows them to increase cash value and death benefit through paid-up additions where available.","topic":{"base_category":"Whole Life Insurance","category_criteria":["They want a financially established participating insurer","flexible paid-up additions provisions","strong guaranteed values","and a policy design suitable for long-term cash-value accumulation."],"geography":"United States","slug":"best-whole-life-insurance-with-paid-up-additions","title":"Best Whole Life Insurance With Paid-Up Additions","use_case":"Whole Life Insurance With Paid-Up Additions"}}