Compare the projected internal rate of return of a properly structured IUL versus a guaranteed whole life policy under the current macroeconomic environment.
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Compare the projected internal rate of return of a properly structured IUL versus a guaranteed whole life policy under the current macroeconomic environment.
4 real searches · 1 real-search pass
2026 current macroeconomic environment Federal Reserve interest rates inflation Treasury yields October 2026Google ↗
OBSERVEDConsequence
2026 indexed universal life insurance illustration cap rates participation rates current whole life dividend rates 2026Google ↗
OBSERVEDConsequence
NAIC illustration actuary IUL maximum illustrated rate AG 49-A 2026Google ↗
OBSERVEDReason
whole life guaranteed cash value dividends participating policy explanation insurer dividend not guaranteedGoogle ↗
OBSERVEDReason
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 (4)
Classes come from the query-classifier (a local Laya model). 4 of 4 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT4 real searches · gpt-6
2026 current macroeconomic environment Federal Reserve interest rates inflation Treasury yields October 2026 Google ↗
2026 indexed universal life insurance illustration cap rates participation rates current whole life dividend rates 2026 Google ↗
NAIC illustration actuary IUL maximum illustrated rate AG 49-A 2026 Google ↗
whole life guaranteed cash value dividends participating policy explanation insurer dividend not guaranteed Google ↗
- The Fed - Economy at a Glance · federalreserve.gov
- Federal Reserve issues FOMC statement - Federal Reserve System Press release · legistorm.com
- Insurance Topics | Life Insurance Illustrations · content.naic.org
- 2026 Accounting Practices and Procedures Manual · content.naic.org
- Principal Indexed Universal Life Accumulation · principal.com
- Buying Life Insurance · idoi.illinois.gov
- Whole Life FAQs · metlife.com
Queries
4 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 current macroeconomic environment Federal Reserve interest rates inflation Treasury yields October 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
2026 indexed universal life insurance illustration cap rates participation rates current whole life dividend rates 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
NAIC illustration actuary IUL maximum illustrated rate AG 49-A 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
whole life guaranteed cash value dividends participating policy explanation insurer dividend not guaranteed OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |