How are policy loan interest rates determined on permanent life insurance, and are they tied to current federal interest rates?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How are policy loan interest rates determined on permanent life insurance, and are they tied to current federal interest rates?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
how are life insurance policy loan interest rates determined fixed variable rates insurer policy contract federal interest rates NAIC Google ↗
IRS life insurance policy loan interest rate federal rate not tied current federal funds rate insurer contract Google ↗
- NAIC Model Laws, Regulations, Guidelines and Other Resources—April 2000 · content.naic.org
- Code of Virginia Code · law.lis.virginia.gov
- Interest Rates & Insurance · content.naic.org
- Insurance Topics | Interest Rates and Insurance · content.naic.org
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
how are life insurance policy loan interest rates determined fixed variable rates insurer policy contract federal interest rates NAIC OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS life insurance policy loan interest rate federal rate not tied current federal funds rate insurer contract OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 |