Life Insurance
Consensus Index

AI Consensus Fit Review

Lincoln National Life Insurance Company Survivorship Universal Life Insurance Fit Review for Estate and Legacy Planning

Lincoln National life insurance Company is a good, but not clearly strongest, fit for affluent couples seeking second-to-die permanent coverage for estate liquidity or legacy transfer.

Research: 2026-09-217 usable platform responsesRead the methodology ↗

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Answer Capsule

Lincoln National life insurance Company is a good, but not clearly strongest, fit for affluent couples seeking second-to-die permanent coverage for estate liquidity or legacy transfer. Two of seven platforms named Lincoln during the ranking stage, and six of seven returned a usable fit assessment. The strongest reason to consider it is Lincoln WealthPreserve® 2 SIUL, a purpose-built survivorship indexed universal life policy that insures two lives and pays at the second death, backed by strong reported insurer ratings. The main limitation is that no public quote, guaranteed-illustration result, or large-case pricing comparison was located, so cost competitiveness cannot be established from public evidence.

Research Snapshot

FieldFinding
Platform mentions in ranking stage2 of 7 platforms named Lincoln (anthropic, perplexity)
Share of included platform responses28.6% of included platform responses
Average listed rank3.5
Best listed rank2 (anthropic)
Relevant product/model/planLincoln WealthPreserve® 2 SIUL (Survivorship Indexed Universal Life); a separately named SurvivorLife Survivorship Indexed Universal Life could not be verified in current public Lincoln materials
Overall use-case fitGood, with meaningful verification requirements
Research date2026-09-21

Why Lincoln National Life Insurance Company Qualified for This Study

Questions This Section Answers

  • Is Lincoln National Life Insurance Company a good choice for Survivorship Universal Life Insurance for Estate and Legacy Planning?
  • How many AI platforms recommended Lincoln National Life Insurance Company for second-to-die estate planning?

Lincoln qualified because it was named by two of the seven platforms during ranking discovery and because six of the seven included platforms returned a usable fit assessment for this use case. The ranking-stage mentions came from anthropic (ranked 2) and perplexity (ranked 5), producing an average listed rank of 3.5 and a best listed rank of 2. That is a minority share of included platform responses, so Lincoln should be treated as a shortlisted candidate rather than a consensus leader.

The qualification rests on a real product match rather than brand recognition alone. Lincoln publicly states that its survivorship indexed universal life product insures two individuals under one policy and pays a death benefit at the end of the last surviving insured's life, which is the exact structure the target buyer needs [1]. Lincoln's 2024 statutory statement also reports material indexed-life, universal-life, and universal-life-with-secondary-guarantees business, which supports relevant product-line experience, though the public source does not verify specific large survivorship-policy capacity or pricing competitiveness [3].

One qualification note must be disclosed: the deterministic identity audit recorded that official-site retrieval for the supplied domain failed, and the matching reported domain was retained for downstream research but remains unverified. The supplied official website uses lincolnnational.com, while current public product and ratings materials were located on lincolnfinancial.com; that relationship should be verified before purchase.

The Product, Model, Plan, or Service Most Relevant to Survivorship Universal Life Insurance for Estate and Legacy Planning

Questions This Section Answers

  • Which Lincoln National Life Insurance Company product should a buyer choose for second-to-die estate liquidity and legacy planning?
  • Is Lincoln WealthPreserve 2 SIUL the same product as SurvivorLife Survivorship Indexed Universal Life?

The most relevant product is Lincoln WealthPreserve® 2 SIUL, the survivorship indexed universal life policy that Lincoln markets for estate and legacy purposes. Lincoln describes WealthPreserve 2 Survivorship IUL as covering two individuals and providing a second-death benefit suited to inheritance and estate-tax funding [4]. The current indexed universal life page lists Lincoln WealthPreserve 2 SIUL among Lincoln's indexed universal life products [5].

Product naming is genuinely inconsistent across platforms and sources, and buyers should not assume the names are interchangeable. Anthropic identified both Lincoln WealthPreserve® SIUL and Lincoln WealthPreserve® 2 Survivorship IUL (2022) as relevant [6]. Grok identified Lincoln WealthPreserve® 2 SIUL [8]. Kimi identified Lincoln LifeGuarantee SUL alongside WealthPreserve SIUL and SurvivorLife [9]. OpenAI reported that the reviewed public portfolio lists WealthPreserve 2 SIUL but did not identify a product named SurvivorLife Survivorship Indexed Universal Life [10]. Anthropic stated that SurvivorLife is National Life's product, not Lincoln's, indicating a possible specification error in the evaluation criteria.

Two policy form numbers appear in the evidence: Lincoln WealthPreserve SIUL is issued on policy form SUL6035 and state variations [11], while Lincoln WealthPreserve 2 SIUL (2022) is associated with policy form ICC22-SUL6094 and state variations [7]. Buyers should confirm which form is actually being quoted.

What the AI Platforms Agreed About

Questions This Section Answers

  • What do AI platforms agree on about Lincoln National Life Insurance Company for survivorship estate planning?
  • Does Lincoln National Life Insurance Company offer a true second-to-die death benefit for estate liquidity?

The clearest area of agreement is the core product structure. Multiple platforms independently described a Lincoln survivorship indexed universal life policy that insures two lives under one policy and pays an income tax-free death benefit upon the second insured's death [13]. Lincoln's own materials state that WealthPreserve 2 SIUL is designed to insure two individuals under one policy and provide a death benefit at the end of the last surviving insured's life [17].

Platforms also agreed on the estate and legacy positioning. Lincoln markets the product for preserving assets, creating a legacy, and providing liquidity for estate taxes [17]. A Lincoln press release describes the survivorship IUL as launched for couples or business partners and positioned to help transfer wealth, minimize estate taxes, and provide proceeds for estate taxes [19]. If properly structured in an irrevocable trust, the proceeds may also be free from estate taxes [21].

There was broad agreement that Lincoln's reported financial-strength ratings are strong. As of July 29, 2026, Lincoln reported AM Best A, Fitch A+, Moody's A2, and S&P A+ ratings for The Lincoln National Life Insurance Company, with stable outlooks; the page states ratings concern claims-paying ability, not product performance [22]. AM Best affirmed an A (Excellent) financial strength rating and a+ long-term issuer credit rating as of March 13, 2026 [24]. These ratings address claims-paying ability, not product performance or suitability.

Platforms also agreed that indexed crediting is not guaranteed. Indexed-account caps, participation rates, charges, and non-guaranteed assumptions can reduce accumulation and are not the same as guaranteed policy values [17]. Policy charges remain in effect and may reduce policy values even where indexed accounts carry a guaranteed minimum interest rate [28].

Where the AI Platforms Disagreed or Were Uncertain

Questions This Section Answers

  • Is Lincoln National Life Insurance Company available in New York for survivorship universal life insurance?
  • How competitive is Lincoln National Life Insurance Company pricing for a large survivorship policy?

The most consequential disagreement is overall fit rating. Four platforms rated Lincoln a good fit (openai, anthropic, grok, perplexity), while two rated it a mixed fit (deepseek, kimi). Deepseek cited recent financial-performance volatility and reported restructuring as reasons for a mixed rating [29]. Kimi cited reliance on older public documentation and unclear current product naming [31]. This is a genuine split, not a consensus, and buyers should weigh it accordingly.

Geographic availability is a clear limitation rather than a disagreement. Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so [32]. A Lincoln rider matrix shows Lincoln WealthPreserve® 2 SIUL (2022) policy form ICC22SUL6094 and state variations are not available in New York [33]. Kimi also reported that the Accelerated Benefit Rider with First Death Benefit is unavailable in New York, Connecticut, Maryland, and Pennsylvania, and that the Estate Protection Rider is unavailable in New York [31].

Pricing is the largest uncertainty. No public quote, premium schedule, minimum face amount, maximum face amount, commission schedule, or large-case pricing comparison was located [34]. Lincoln announced enhanced pricing competitiveness on certain products in 2022, but specific SIUL premium rates relative to competitors are not documented in current sources [35]. Deepseek noted that pricing for survivorship indexed UL is individually underwritten and not publicly listed [36].

Guarantee terms are also uncertain. The public product page describes an Extended No-Lapse Minimum Premium Rider and states that minimum premium requirements must be met to maintain it; the cited page limits availability by death-benefit option and maximum issue age [34]. This is not equivalent to an unconditional lifetime death-benefit guarantee. Perplexity reported that the exact current guarantee terms for the specific survivorship form in force are not fully clear from the checked sources [37].

Issue-age and face-amount limits are inconsistently documented. Grok reported issue ages 20-80 preferred non-tobacco and 20-85 standard, with a $100,000 minimum face amount [40]. Anthropic reported that the maximum issue age for the 2017 IUL product form is 79 with certain restrictions, but that the maximum age for the 2022 SIUL form is not explicitly documented [41]. Kimi reported a $100,000 minimum face amount and issue ages to 85 for standard non-tobacco [31]. These figures should be confirmed for the exact form quoted.

Use-Case-Specific Features and Capabilities

Questions This Section Answers

  • What features does Lincoln WealthPreserve 2 SIUL offer for estate liquidity and legacy planning?
  • Does Lincoln National Life Insurance Company offer a no-lapse guarantee on its survivorship indexed universal life policy?

The core capability is the second-to-die design. Lincoln states that WealthPreserve 2 SIUL is designed to insure two individuals under one policy and provide a death benefit at the end of the last surviving insured's life, matching the target use case [42]. Lincoln WealthPreserve SIUL provides an income tax-free death benefit at the end of the last surviving insured's life and is designed to enable policyholders to transfer a greater inheritance to beneficiaries or provide proceeds to pay estate taxes [44].

On guarantees, the product page describes an Extended No-Lapse Minimum Premium Rider with stated eligibility and minimum-premium conditions [42]. A universal life policy with a lifetime secondary guarantee can stay in force even if the base policy cash value is zero, as long as secondary guarantee requirements are met based on required minimum premium or reference value evaluation [45]. Grok reported an extended no-lapse minimum premium rider is available [46]. This is a conditional guarantee, not an unconditional lifetime death-benefit promise.

On indexed crediting, the product page describes multiple indexed accounts, including S&P 500 and Fidelity AIM Dividend-linked accounts, with downside-protection language [42]. Grok reported six indexed accounts with a 0% or 0.25% floor for downside protection and non-guaranteed caps and participation rates [46]. Indexed crediting, caps, participation rates, charges, and policy expenses can make actual accumulation differ materially from illustrated or assumed values [47].

On riders, Lincoln WealthPreserve 2 SIUL includes riders such as Accelerated Benefits Rider (With No First Death Benefit), Accelerated Benefits Rider (With First Death Benefit), and Supplemental Survivorship Term Insurance Rider (Estate Protection Rider) [49]. Grok also reported a Supplemental Increase Rider providing 3% annual coverage growth and an Overloan Protection Rider [46]. Rider availability varies by state, and the Accelerated Benefit Rider with First Death Benefit is unavailable in New York, Connecticut, Maryland, and Pennsylvania [50].

On tax treatment, withdrawals and surrenders are tax-free up to cost basis provided the policy is not a modified endowment contract [51]. For MEC policies, distributions during the life of the insured, including loans, are first treated as taxable to the extent of income in the contract, and an additional 10% federal income tax may apply for withdrawals made prior to age 59½ [52]. Policy loans and withdrawals can reduce cash value and death benefit and may contribute to lapse [42].

Pricing, Fees, Contracts, and Ongoing Costs

Questions This Section Answers

  • How much does Lincoln National Life Insurance Company cost per month for a survivorship indexed universal life policy?
  • What fees and charges apply to Lincoln WealthPreserve 2 SIUL?

No public quote, premium schedule, minimum face amount, maximum face amount, commission schedule, or large-case pricing comparison was located for Lincoln's survivorship indexed universal life products [54]. Pricing is underwriting- and design-dependent and should be obtained through an authorized producer using guaranteed and current-assumption illustrations [54]. Pricing confidence across platforms is low.

Where cost components are documented, they come from a 2011 Lincoln LifeGuarantee SUL fact sheet and may not reflect the current product. That document reports a 15% premium load all years based on premium amount, an $8 monthly per-policy expense charge ($96 annually), monthly cost-of-insurance charges that vary by insured characteristics, a unit expense charge of $0.05 per $1,000 of initial specified amount monthly, a $5 transaction fee per withdrawal, and surrender charges for 19 years [55]. Grok separately reported a 6% premium load, a $15 monthly policy fee to the younger insured's age 105, and a $100,000 minimum face amount [56]. These two cost structures conflict and should be reconciled with the actual quoted form.

NAIC materials identify life-insurance charges such as cost of insurance, premium, administrative, index-segment, rider, and surrender charges, and note that charges and restrictions can affect policy outcomes [57]. NAIC also explains that universal-life illustrations include guaranteed and non-guaranteed elements, including premiums, expenses, death benefits, and cash values [58].

Contract terms carry lapse risk. Flexible-premium universal-life coverage can lapse if required premiums or sufficient value are not maintained [54]. Surrendering or replacing the policy may create surrender costs, tax consequences, loss of guarantees, and new underwriting exposure [54]. The no-lapse feature cited by Lincoln has stated eligibility and minimum-premium conditions [54]. Kimi reported that the Lifetime Option versus Flex Option choice is irrevocable at issue and that the Flex Option escalates costs to age 121 [55].

Best Suited For

Questions This Section Answers

  • Who is Lincoln National Life Insurance Company best suited for in survivorship estate planning?
  • Is Lincoln WealthPreserve 2 SIUL a good fit for a couple needing one second-to-die policy?

Lincoln is best suited for couples or business partners needing one survivorship policy with a death benefit payable after the second death [59]. It fits estate-liquidity, inheritance, and legacy objectives where long-duration permanent coverage is more important than accessible cash value [59]. It also fits buyers comfortable with indexed-crediting mechanics, policy monitoring, and quote-based underwriting [59].

Anthropic framed the best-fit buyer as married couples with substantial assets seeking second-to-die coverage outside of New York, high-net-worth individuals wanting indexed growth potential with guaranteed death benefit protection, and couples where one insured may have health concerns [60]. Survivorship underwriting can be easier because an underwriter focuses more on the younger or healthier person of the two applicants, since that person will be considered more likely to be the second to die [60].

Grok framed the best-fit buyer as married couples or business partners seeking second-to-die coverage for estate taxes, inheritance, or legacy planning with potential cash value access [61]. Deepseek framed the best-fit buyer as those wanting a well-known, publicly traded carrier with an existing survivorship indexed UL product family and large face-amount estate-liquidity cases that need an established insurer [62].

Probably Not Best Suited For

Questions This Section Answers

  • Who should not choose Lincoln National Life Insurance Company for survivorship universal life insurance?
  • Is Lincoln National Life Insurance Company a poor fit for buyers who want fully guaranteed lifetime coverage?

Lincoln is probably not best suited for buyers requiring fully guaranteed lifetime coverage with minimal dependence on non-guaranteed indexed-account performance [64]. It is also a weaker fit for buyers prioritizing transparent public pricing or easy product-to-product cost comparison, and for buyers seeking a simple fixed-premium product rather than a flexible-premium indexed universal life policy [64].

New York residents should look elsewhere. Lincoln National Life Insurance Company does not solicit business in New York, nor is it authorized to do so [65]. Buyers seeking the absolute lowest premium cost should note that no pricing data confirms Lincoln is the cheapest [67]. Buyers who need flexibility to split the policy into two separate single-life policies after issue without specific riders should verify whether that is possible [68].

Buyers who prioritize the very highest financial-strength ratings should note that AM Best downgraded Lincoln from A+ (Superior) to A (Excellent) in November 2022, citing balance sheet pressures related to its variable annuity block and reinsurance concentration, though the outlook was revised from negative to stable in February 2025 [69]. Deepseek also flagged a reported 2022 net loss and 2023 restructuring actions [71].

When Another Option May Be Better

Questions This Section Answers

  • What is a better alternative to Lincoln National Life Insurance Company for a New York resident needing survivorship coverage?
  • When should a buyer choose a guaranteed universal life or whole life policy instead of Lincoln WealthPreserve 2 SIUL?

Another option may be better when a carrier offers stronger contractual lifetime guarantees or better guaranteed values after side-by-side illustration testing [73]. A fixed-premium guaranteed universal-life or participating whole-life survivorship policy is preferable when predictability is more important than indexed cash-value upside [73]. A variable survivorship universal-life policy is preferable only for a buyer willing to accept direct investment-market risk and variable-account expenses in exchange for broader investment flexibility [73].

For New York residents, alternatives include Prudential PruLife® Survivorship Index UL or MassMutual SUL Guard, both reported as available in New York [74]. Prudential offers both an A+ rating and New York availability with survivorship products [74]. Buyers wanting a long-term care rider on a survivorship policy may prefer Nationwide [75]. Buyers wanting guaranteed age-90 no-lapse at no charge with index-based performance may prefer Pacific Life Pacific Horizon Survivorship IUL [77]. Buyers wanting a simpler guarantee structure may prefer Prudential PruLife SUL Protector with a 10-year Limited No-Lapse Guarantee plus Lapse Protection Rider [78].

Another carrier may also be preferable if it offers materially better underwriting, lower guaranteed funding requirements, stronger ratings, better state availability, or more favorable large-case pricing for the specific applicants [73]. Buyers should compare Lincoln against at least three competing survivorship products on guaranteed and current-assumption illustrations [73].

Questions to Verify Before Buying

Questions This Section Answers

  • What should a buyer confirm with Lincoln National Life Insurance Company before signing a survivorship policy?
  • How does a buyer verify the exact Lincoln survivorship product form and guarantee terms before purchase?

Buyers should confirm the exact current policy form, issuing legal entity, state version, and product name, and whether the proposed policy is WealthPreserve 2 SIUL, SurvivorLife, or another Lincoln survivorship product [79]. They should ask for guaranteed premiums, guaranteed death benefits, guaranteed cash values, surrender values, and lapse dates at each proposed funding level [79].

Buyers should ask what premium is required to maintain the no-lapse guarantee and what events terminate or weaken that guarantee [79]. They should request current and guaranteed caps, participation rates, floors, spreads, asset charges, and index-account crediting rules, and ask which charges are guaranteed versus current-assumption or discretionary and whether any rates or charges can change after issue [79].

Buyers should confirm exact surrender charges, loan provisions, withdrawal rules, and consequences of lapse with loans outstanding [79]. They should ask about issue-age, face-amount, underwriting, retention, reinsurance, and state-availability limits for the case [79]. They should also ask how the policy compares against at least three competing survivorship products on guaranteed and current-assumption illustrations [79].

Ownership and tax questions matter. Buyers should ask whether the policy should be owned by an irrevocable life-insurance trust and what the transfer, gift-tax, estate-tax, trustee, and Crummey-notice implications are [79]. They should ask how premiums will be funded and what stress testing was performed for lower index credits, higher charges, longer life expectancy, policy loans, and missed premiums [79]. They should also ask what first-death liquidity is needed, because the survivorship death benefit is generally payable only after the second death [79].

Final AI Consensus Verdict

Lincoln National Life Insurance Company is a good, but not clearly strongest, fit for Survivorship Universal Life Insurance for Estate and Legacy Planning. Lincoln WealthPreserve® 2 SIUL directly matches the second-to-die estate and legacy objective and is backed by strong reported insurer ratings. It should be shortlisted rather than selected solely on marketing claims.

The buyer should demand state-specific contracts, guaranteed and current-assumption illustrations, full charge schedules, and competitive comparisons against guaranteed survivorship universal life and whole-life alternatives. The main gaps are current quote detail, exact guarantee terms, and state/form-specific availability. New York residents cannot access this carrier for this product.

How This Review Was Produced

This review synthesizes fit assessments returned by seven configured AI platforms for the prompt: which life insurance carriers would you recommend for a married couple or two insured individuals with substantial assets seeking survivorship or second-to-die universal life insurance for estate liquidity, inheritance, legacy, or related long-term planning. Two of the seven platforms named Lincoln National Life Insurance Company during ranking discovery, and six of the seven returned a usable fit assessment. The research date is 2026-09-21.

Platform-reported research dates differ from the authoritative run date. Deepseek reported a research date of 2026-06-01, while anthropic, grok, kimi, openai, and perplexity reported 2026-09-21. Platform-reported dates are provenance metadata and do not independently prove freshness. Deepseek's response was produced with search disabled, so its claims require explicit verification before being described as current facts.

Citations in this review are platform-reported evidence, not independently verified facts. The supplied URLs were collected from platform responses and were not independently validated by the writer stage. Company-owned sources are distinguished from independent sources in the Sources section below.

Methodology Limitations

Six of seven included platforms returned a usable fit assessment, so the fit findings should not be described as unanimous. Platform mentions count only platforms that named the entity during ranking discovery, which was two of seven. The deterministic identity audit recorded that official-site retrieval for the supplied domain failed, and the matching reported domain was retained for downstream research but remains unverified.

Conflicting product names, pricing, and capabilities were not resolved by guessing. Product naming varies across platforms and sources, and the SurvivorLife Survivorship Indexed Universal Life name could not be verified in current public Lincoln materials. Cost components conflict between sources, with one reporting a 15% premium load and another reporting a 6% premium load. Buyers should reconcile these conflicts directly with an authorized producer.

The ratings page is current as of July 29, 2026, but ratings can change and are not guarantees of product performance. Product availability, features, rates, riders, and forms may vary by state and policy issue date. Public materials describe guarantees but do not provide the full policy contract, state-specific forms, current caps, participation rates, surrender schedule, or guaranteed premium schedule reviewed here.

From the index

Compare the adjacent findings before forming a view.

Sources

Company-Owned Sources

Independent Sources

Other Sources

  • Lincoln WealthPreserveSM Survivorship IUL Fact Sheet: http://www.theinsgroup.net/images/stories/Lincoln%20Financial%20Group/LincolnWealthPreserveSurvivorshipIULFacts.pdf
  • Survivorship Universal Life Insurance: SUL & SIUL Guide: https://ogletreefinancial.com/blog/survivorship-universal-life-insurance/
  • WealthPreserve 2 Survivorship Indexed Universal Life: https://www.fmiagent.com/carrier/lincoln-national/wealthpreserve-survivorship-indexed-universal-life/
  • Lincoln National Life Insurance Review: https://www.keypersoninsurance.com/lincoln-national-life-insurance-review/
  • Additional AI research evidence79 records
    1. AI research evidence record openai:c_product
    2. AI research evidence record openai:c_csr
    3. AI research evidence record openai:c_statutory
    4. AI research evidence record openai:c_csr
    5. AI research evidence record openai:c_iul_page
    6. AI research evidence record anthropic:c001
    7. AI research evidence record anthropic:c021
    8. AI research evidence record grok:1
    9. AI research evidence record kimi:lincoln-facts-2011
    10. AI research evidence record openai:c_portfolio
    11. AI research evidence record anthropic:c020
    12. AI research evidence record perplexity:c12
    13. AI research evidence record anthropic:c001
    14. AI research evidence record perplexity:c1
    15. AI research evidence record perplexity:c3
    16. AI research evidence record perplexity:c5
    17. AI research evidence record openai:c_product
    18. AI research evidence record openai:c_csr
    19. AI research evidence record perplexity:c2
    20. AI research evidence record anthropic:c003
    21. AI research evidence record anthropic:c004
    22. AI research evidence record openai:c_ratings
    23. AI research evidence record grok:20
    24. AI research evidence record anthropic:c012
    25. AI research evidence record anthropic:c013
    26. AI research evidence record openai:c_naic_illustrations
    27. AI research evidence record openai:c_naic_charges
    28. AI research evidence record anthropic:c008
    29. AI research evidence record deepseek:c4
    30. AI research evidence record deepseek:c5
    31. AI research evidence record kimi:lincoln-facts-2011
    32. AI research evidence record anthropic:c017
    33. AI research evidence record perplexity:c12
    34. AI research evidence record openai:c_product
    35. AI research evidence record anthropic:c018
    36. AI research evidence record deepseek:c7
    37. AI research evidence record perplexity:c2
    38. AI research evidence record perplexity:c10
    39. AI research evidence record perplexity:c13
    40. AI research evidence record grok:1
    41. AI research evidence record anthropic:c019
    42. AI research evidence record openai:c_product
    43. AI research evidence record openai:c_csr
    44. AI research evidence record anthropic:c003
    45. AI research evidence record anthropic:c006
    46. AI research evidence record grok:1
    47. AI research evidence record openai:c_naic_illustrations
    48. AI research evidence record openai:c_naic_charges
    49. AI research evidence record anthropic:c009
    50. AI research evidence record kimi:lincoln-facts-2011
    51. AI research evidence record anthropic:c010
    52. AI research evidence record anthropic:c011
    53. AI research evidence record perplexity:c10
    54. AI research evidence record openai:c_product
    55. AI research evidence record kimi:lincoln-facts-2011
    56. AI research evidence record grok:1
    57. AI research evidence record openai:c_naic_charges
    58. AI research evidence record openai:c_naic_illustrations
    59. AI research evidence record openai:c_product
    60. AI research evidence record anthropic:c016
    61. AI research evidence record grok:1
    62. AI research evidence record deepseek:c1
    63. AI research evidence record deepseek:c2
    64. AI research evidence record openai:c_product
    65. AI research evidence record anthropic:c017
    66. AI research evidence record perplexity:c12
    67. AI research evidence record anthropic:c018
    68. AI research evidence record anthropic:c001
    69. AI research evidence record anthropic:c014
    70. AI research evidence record anthropic:c015
    71. AI research evidence record deepseek:c4
    72. AI research evidence record deepseek:c5
    73. AI research evidence record openai:c_product
    74. AI research evidence record anthropic:c001
    75. AI research evidence record grok:1
    76. AI research evidence record kimi:nationwide-siul
    77. AI research evidence record kimi:pacific-life-horizon
    78. AI research evidence record kimi:prudential-sul
    79. AI research evidence record openai:c_product

Verify this research

Check when the research was run, which platforms were included, and what supports the findings.

Study date
September 21, 2026
Platforms analyzed
7
Source records
44
Ranking mentions
2 of 7
Platform share
29%
Final consensus rank
#10

Behind the findings

Platforms in this study

  • ChatGPT
  • Claude
  • DeepSeek
  • Grok
  • Perplexity
  • Kimi
  • Gemini

Source records

21 independent · 19 company-owned · 4 unclear

Evidence support

32 direct · 11 partial

Keep in mind

Use the run research_date as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.

Technical verification details

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