Why would an experienced financial planner advise against surrendering a whole life policy that has been in force for over twenty years despite high current cash surrender values?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why would an experienced financial planner advise against surrendering a whole life policy that has been in force for over twenty years despite high current cash surrender values?
1 real search · 1 real-search pass
IRS life insurance surrender cash value taxable gain cost basis policy loans modified endowment contractGoogle ↗
OBSERVEDReason
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
IRS life insurance surrender cash value taxable gain cost basis policy loans modified endowment contract Google ↗
- Publication 525 · irs.gov
- Internal Revenue Bulletin: 2009-21 · irs.gov