Is it better to surrender my whole life policy with Northwestern Mutual and put the cash value into a high yield savings account now that I am retired?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is it better to surrender my whole life policy with Northwestern Mutual and put the cash value into a high yield savings account now that I am retired?
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 tax treatment surrender whole life insurance policy cash surrender value cost basis policy loans publication 525 2026 Google ↗
NAIC consumer guide life insurance cash value surrender reduced paid up options Google ↗
- IRS explanation of life insurance surrender taxation · irs.gov
- 2025 Publication 525 · irs.gov
- Consumer Life Insurance FAQ · dfs.ny.gov
- Life Insurance Overview | Consumer Services · myfloridacfo.com
- Insurance Topics | Life Insurance · content.naic.org
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS tax treatment surrender whole life insurance policy cash surrender value cost basis policy loans publication 525 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
NAIC consumer guide life insurance cash value surrender reduced paid up options OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |