Is life insurance trust creation worth the hassle for a standard 500k policy or can I just name my spouse as the primary beneficiary?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is life insurance trust creation worth the hassle for a standard 500k policy or can I just name my spouse as the primary beneficiary?
1 real search · 1 real-search pass
2026 federal estate tax exemption irrevocable life insurance trust life insurance proceeds estate inclusion spouse beneficiary IRSGoogle ↗
OBSERVEDComparison
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 (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
2026 federal estate tax exemption irrevocable life insurance trust life insurance proceeds estate inclusion spouse beneficiary IRS Google ↗
- Frequently asked questions on estate taxes · irs.gov
- Instructions for Form 706 (07/2026) · irs.gov
- 26 U.S.C. § 2056: Bequests, etc., to surviving spouse · uscode.house.gov
- Publication 559 (2025), Survivors, Executors, and Administrators · irs.gov
- 26 U.S.C. § 101: Certain death benefits · uscode.house.gov