Real ChatGPT answer · index seed9h40xHkG9TkcompleteInsurance · life insuranceinformational

Why do New York Life whole life policies cost so much more in the first few years compared to standard term?

ChatGPTgpt-62 queries11/1/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Why do New York Life whole life policies cost so much more in the first few years compared to standard term?
2 real searches · 1 real-search pass
New York Life whole life insurance premiums cash value guaranteed dividends how whole life worksGoogle ↗
OBSERVEDReason
NAIC consumer guide life insurance term whole life cash value premiumsGoogle ↗
OBSERVEDOther / navigational

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)
Short factOther / navigational50%ComparisonConsequenceReason50%DefinitionInstructionYes / no

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
New York Life whole life insurance premiums cash value guaranteed dividends how whole life works Google ↗
NAIC consumer guide life insurance term whole life cash value premiums Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
New York Life whole life insurance premiums cash value guaranteed dividends how whole life works
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1
NAIC consumer guide life insurance term whole life cash value premiums
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1