Is it ever a good idea to surrender or cancel an existing life insurance policy to buy a new one, and how do agents calculate the surrender value?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is it ever a good idea to surrender or cancel an existing life insurance policy to buy a new one, and how do agents calculate the surrender 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
NAIC life insurance replacing existing policy surrender charges cash surrender value consumer guide Google ↗
IRS life insurance surrender cash value taxable amount policy basis loans surrender Google ↗
- Life Insurance Information for Consumers · dfs.ny.gov
- Cash Surrender Values · content.naic.org
- Insurance Topics | Life Insurance · content.naic.org
- Publication 525 (2025), Taxable and Nontaxable Income · irs.gov
- 2025 Publication 525 · irs.gov
- Replacing A Life Insurance Policy Or Annuity With A New One · mass.gov
- Life Insurance Guide · insurance.ca.gov
- Life insurance guide · tdi.texas.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
NAIC life insurance replacing existing policy surrender charges cash surrender value consumer guide OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS life insurance surrender cash value taxable amount policy basis loans surrender OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |