What are the tax consequences of taking a policy loan versus making a partial withdrawal from cash value?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the tax consequences of taking a policy loan versus making a partial withdrawal from cash value?
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 life insurance policy loans partial withdrawals non MEC modified endowment contract tax basis lapse outstanding loan publication 525 Google ↗
IRS modified endowment contract distributions loans income first basis section 72(e) life insurance Google ↗
- 26 U.S.C. § 72: Annuities; certain proceeds of endowment and life insurance contracts · uscode.house.gov
- 2026 EDITION · allianzlife.com
- 26 U.S.C. § 72: Annuities; certain proceeds of endowment and life insurance contracts · uscode.house.gov
- Microsoft Word · dol.gov
- Publication 525 (2025), Taxable and Nontaxable Income · irs.gov
- Microsoft Word · ameritas.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS life insurance policy loans partial withdrawals non MEC modified endowment contract tax basis lapse outstanding loan publication 525 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS modified endowment contract distributions loans income first basis section 72(e) life insurance OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |