{"citations":{"source_mix":{"company_owned":13,"independent":11,"unclear":4},"sources_referenced_by_questions":0,"support_mix":{"direct":21,"partial":7},"total_sources":28,"unique_domain_count":14},"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":["deepseek","google","kimi"],"predicate":"final_consensus_rank","qualifier":"Whole Life Insurance With Paid-Up Additions","subject":"OneAmerica","unit":"rank","value":8},{"claim_id":"claim-003","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-004","confidence":"verified","observed_at":"2026-09-20","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"OneAmerica","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-20","platform_support":["openai","anthropic","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"OneAmerica","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-20","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"OneAmerica","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"OneAmerica","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://lifeinsuranceconsensusindex.com/datasets/whole-life-insurance/whole-life-insurance-with-paid-up-additions/oneamerica.json","page_url":"https://lifeinsuranceconsensusindex.com/whole-life-insurance/whole-life-insurance-with-paid-up-additions/oneamerica","report_type":"fit_review","study_id":"LICI-STUDY-DEDEA663E9AE","title":"OneAmerica 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.","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.","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 14:56:15.395726+00","research_date":"2026-09-20","source_snapshot_sha256":"c6786358c941eafeaa478292e9958c2de57f4fef714492360dca26c9bbe92195","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":9,"ranking_unit":"Life insurance carrier"},"schema_version":4,"summary":"OneAmerica is a good fit for a buyer seeking participating whole life with paid-up additions, but the fit is not unanimous. Three of seven platforms named OneAmerica during the ranking stage (deepseek, google, kimi), giving it a 42.9% share of included platform responses, an average listed rank of 7.0, and a best listed rank of 3. The strongest reason to consider it is a Paid-Up Additions Rider described across platforms as carrying a 6% upfront load, with a catch-up provision and a $120 annual minimum. The main limitation is that no current public premium quote, dividend scale, rider charge…","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"}}