How does an irrevocable life insurance trust actually work to protect policy payouts from estate taxes for our kids?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does an irrevocable life insurance trust actually work to protect policy payouts from estate taxes for our kids?
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
IRS life insurance proceeds estate tax incidents of ownership irrevocable life insurance trust three year rule Google ↗
IRS 2026 federal estate tax basic exclusion amount 2026 annual gift tax exclusion Google ↗
- Frequently asked questions on gift taxes · irs.gov
- 2026 Instructions for Form 709 · irs.gov
- 26 CFR § 20.2042-1 - Proceeds of life insurance. | Electronic Code of Federal Regulations (e-CFR) | US Law · law.cornell.edu
- 5.5.7 Collecting Estate Tax · irs.gov
- Instructions for Form 706 (07/2026) · irs.gov
- What's new — Estate and gift tax · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS life insurance proceeds estate tax incidents of ownership irrevocable life insurance trust three year rule OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS 2026 federal estate tax basic exclusion amount 2026 annual gift tax exclusion OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |