How do policy loan interest rates impact the modified endowment contract status and the tax-free status of withdrawals in an indexed universal life plan?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do policy loan interest rates impact the modified endowment contract status and the tax-free status of withdrawals in an indexed universal life plan?
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). 1 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 modified endowment contract 7-pay test policy loans distributions tax treatment life insurance Google ↗
NAIC indexed universal life policy loans interest lapse tax consequences MEC Google ↗
- Internal Revenue Bulletin: 2007-25 · irs.gov
- Microsoft Word · dol.gov
- Universal Life FAQs · metlife.com
- More Information on Accessing Your Policy Value · content.naic.org
- EDGAR HTML · content-archive.fast-edgar.com
- usc-cdn.house.gov · usc-cdn.house.gov
- Publication 525 (2025), Taxable and Nontaxable Income · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS modified endowment contract 7-pay test policy loans distributions tax treatment life insurance OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
NAIC indexed universal life policy loans interest lapse tax consequences MEC OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |