{"citations":{"source_mix":{"company_owned":18,"independent":18,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":8},"total_sources":39,"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 With Paid-Up Additions","unit":"platforms","value":7},{"claim_id":"claim-002","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-003","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-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"New York Life","unit":"platforms","value":4},{"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},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"New York Life","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.2,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"New York Life","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/whole-life-insurance/whole-life-insurance-with-paid-up-additions/new-york-life.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/whole-life-insurance-with-paid-up-additions/new-york-life","report_type":"fit_review","study_id":"LICI-STUDY-0F1F240AAE90","title":"New York Life for Whole Life Insurance With Paid-Up Additions: 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 14:49:57.315606+00","research_date":"2026-09-20","source_snapshot_sha256":"983d855f8bc03f169c407633d8a36bd3d288d937c556aec650ead144a3ea1932","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"New York Life is a strong fit for a buyer who wants participating whole life insurance with the ability to add paid-up coverage through the Option to Purchase Paid-Up Additions (OPP) rider, provided the buyer accepts agent-only distribution and verifies state-specific forms and charges. Five of the seven platforms named New York Life during ranking discovery, a 71% share of included platform responses, at an average listed rank of 4.2 and a best listed rank of 3. The strongest reason to consider it is a dedicated OPP rider plus a long dividend-paying history and top-tier reported…","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"}}