Evaluate the pros and cons of using a 1035 exchange to move from an underperforming whole life policy into a lower cost universal life option.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Evaluate the pros and cons of using a 1035 exchange to move from an underperforming whole life policy into a lower cost universal life option.
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 section 1035 exchange life insurance contract tax basis boot policy loan rules Google ↗
NAIC life insurance replacement universal life policy illustration consumer guidance cost of insurance lapse Google ↗
- Universal Life Considerations · ncdoi.gov
- Insurance Topics | Life Insurance Illustrations · content.naic.org
- Life Insurance · content.naic.org
- Internal Revenue Code Section 1035 · uscode.house.gov
- Life Insurance Guide · insurance.ca.gov
- 26 U.S.C. § 1035: Certain exchanges of insurance policies · uscode.house.gov
- 26 CFR § 1.1035-1 - Certain exchanges of insurance policies. | Electronic Code of Federal Regulations (e-CFR) | US Law · law.cornell.edu
- Frequently Asked Questions · prudential.scene7.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS section 1035 exchange life insurance contract tax basis boot policy loan rules OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
NAIC life insurance replacement universal life policy illustration consumer guidance cost of insurance lapse OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |