Real ChatGPT answer · index seedAwZcyljGt0IcompleteInsurance · life insurancecomparison

What are the hidden fees in New York Life whole life policies versus investing the difference ourselves in a standard index fund

ChatGPTgpt-63 queries11/1/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What are the hidden fees in New York Life whole life policies versus investing the difference ourselves in a standard index fund
3 real searches · 1 real-search pass
New York Life whole life insurance policy fees expenses premium loads surrender charges dividends cash value cost of insurance officialGoogle ↗
OBSERVED
New York Life whole life policy illustration guaranteed non guaranteed values surrender charges policy expenses officialGoogle ↗
OBSERVED
SEC investor.gov index funds expense ratios costs taxes turnoverGoogle ↗
OBSERVED

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.

Classifying 3 queries…

Searches and sources

ChatGPT3 real searches · gpt-6
New York Life whole life insurance policy fees expenses premium loads surrender charges dividends cash value cost of insurance official Google ↗
New York Life whole life policy illustration guaranteed non guaranteed values surrender charges policy expenses official Google ↗
SEC investor.gov index funds expense ratios costs taxes turnover Google ↗

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
New York Life whole life insurance policy fees expenses premium loads surrender charges dividends cash value cost of insurance official
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
New York Life whole life policy illustration guaranteed non guaranteed values surrender charges policy expenses official
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
SEC investor.gov index funds expense ratios costs taxes turnover
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1