What are the pros and cons of surrendering a whole life policy with State Farm versus taking out a policy loan to fund a home repair?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the pros and cons of surrendering a whole life policy with State Farm versus taking out a policy loan to fund a home repair?
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
State Farm whole life insurance policy loans cash surrender value loan interest official Google ↗
IRS life insurance surrender cash value policy loan taxable modified endowment contract lapse outstanding loan Google ↗
- Whole Life Insurance · statefarm.com
- Whole Life Insurance – Get A Quote · statefarm.com
- 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 |
|---|---|---|---|---|---|---|---|
State Farm whole life insurance policy loans cash surrender value loan interest official OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
IRS life insurance surrender cash value policy loan taxable modified endowment contract lapse outstanding loan OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |