What are the actual hidden fees if I surrender my New York Life whole life insurance policy right now as a broke recent grad?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the actual hidden fees if I surrender my New York Life whole life insurance policy right now as a broke recent grad?
3 real searches · 1 real-search pass
New York Life whole life insurance surrender cash value surrender charge policy loan tax officialGoogle ↗
OBSERVEDReason
New York State Department of Financial Services life insurance surrender cash value consumer guideGoogle ↗
OBSERVEDReason
IRS life insurance surrender proceeds taxable amount basis policy surrenderGoogle ↗
OBSERVEDConsequence
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
New York Life whole life insurance surrender cash value surrender charge policy loan tax official Google ↗
New York State Department of Financial Services life insurance surrender cash value consumer guide Google ↗
IRS life insurance surrender proceeds taxable amount basis policy surrender Google ↗
- Surrendering Cash Value Life Insurance · newyorklife.com
- Whole Life Insurance | Custom Cash Value Whole Life · newyorklife.com
- Consumer Life Insurance FAQ · dfs.ny.gov
- Publication 525 (2025), Taxable and Nontaxable Income · irs.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
New York Life whole life insurance surrender cash value surrender charge policy loan tax official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
New York State Department of Financial Services life insurance surrender cash value consumer guide OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS life insurance surrender proceeds taxable amount basis policy surrender OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |