Can you explain the step-by-step tax implications of surrendering a whole life insurance policy with a substantial cash value surrender charge this year?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can you explain the step-by-step tax implications of surrendering a whole life insurance policy with a substantial cash value surrender charge this year?
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
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS tax treatment surrender life insurance policy cash surrender value surrender charges cost basis policy loans 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS Publication 525 life insurance surrender policy gain investment in contract taxable OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |