I am forty eight and trying to decide between locking in a thirty year term or a whole life policy for estate liquidity. Which offers better internal rate of return over twenty years?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I am forty eight and trying to decide between locking in a thirty year term or a whole life policy for estate liquidity. Which offers better internal rate of return over twenty years?
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
NAIC consumer guide term life insurance whole life cash value premiums death benefit Google ↗
IRS life insurance proceeds estate tax incidents of ownership estate inclusion Google ↗
- Life Insurance · content.naic.org
- Insurance Topics | Life Insurance · content.naic.org
- Instructions for Form 706 (07/2026) · irs.gov
- Life Insurance · content.naic.org
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
NAIC consumer guide term life insurance whole life cash value premiums death benefit OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
IRS life insurance proceeds estate tax incidents of ownership estate inclusion OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |