What penalties should I expect if I decide to cancel my existing life insurance policy and put that cash value into a savings account instead?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What penalties should I expect if I decide to cancel my existing life insurance policy and put that cash value into a savings account instead?
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 surrender cash value taxable amount premiums paid surrender charges policy loans Google ↗
NAIC consumer guide life insurance cash value surrender charges cancel policy Google ↗
- Publication 525 (2025), Taxable and Nontaxable Income · irs.gov
- Publication 554 (2025), Tax Guide for Seniors · irs.gov
- Life insurance guide · agate.tdi.texas.gov
- Life insurance guide · tdi.texas.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS life insurance surrender cash value taxable amount premiums paid surrender charges policy loans OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
NAIC consumer guide life insurance cash value surrender charges cancel policy OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |