Can middle-class families legally use a life insurance trust to avoid estate taxes under current federal exemption limits?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can middle-class families legally use a life insurance trust to avoid estate taxes under current federal exemption limits?
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
2026 federal estate tax exemption $15 million OBBBA IRS 2026 estate gift tax exclusion Google ↗
Illinois estate tax exemption 2026 $4 million life insurance irrevocable life insurance trust Illinois estate Google ↗
- Frequently asked questions on estate taxes · irs.gov
- Instructions for Form 706 (07/2026) · irs.gov
- The Estate and Gift Tax: An Overview · everycrsreport.com
- 26 U.S.C. § 2042: Proceeds of life insurance · uscode.house.gov
- 26 CFR § 20.2042-1 - Proceeds of life insurance. | Electronic Code of Federal Regulations (e-CFR) | US Law · law.cornell.edu
- 5.5.7 Collecting Estate Tax · irs.gov
- Estate and Generation-Skipping Transfer Tax · witnessslips.ilga.gov
- ILLINOIS STATE BAR ASSOCIATION · isba.org
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 federal estate tax exemption $15 million OBBBA IRS 2026 estate gift tax exclusion OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Illinois estate tax exemption 2026 $4 million life insurance irrevocable life insurance trust Illinois estate OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |