What happens to the cash value of my life policy if I fail to properly transfer it into an irrevocable life insurance trust before year-end?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What happens to the cash value of my life policy if I fail to properly transfer it into an irrevocable life insurance trust before year-end?
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 life insurance transferred to irrevocable life insurance trust three year rule incidents of ownership gift tax policy cash value Google ↗
IRS estate tax life insurance incidents of ownership section 2035 three years transfer policy Google ↗
- 26 U.S.C. § 2035: Adjustments for certain gifts made within 3 years of decedent’s death · uscode.house.gov
- Instructions for Form 706 (07/2026) · irs.gov
- Life Insurance What Attorneys and Trustees Should Know · americanbar.org
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS life insurance transferred to irrevocable life insurance trust three year rule incidents of ownership gift tax policy cash value OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS estate tax life insurance incidents of ownership section 2035 three years transfer policy OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |