Can you explain how policy loan interest rates work on permanent life insurance and whether borrowing against my cash value to pay for college tuition is a terrible idea?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can you explain how policy loan interest rates work on permanent life insurance and whether borrowing against my cash value to pay for college tuition is a terrible idea?
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
NAIC life insurance policy loans cash value interest lapse tax consumer guide Google ↗
IRS life insurance policy loans taxable surrender lapse outstanding loan modified endowment contract Google ↗
- Life Insurance · content.naic.org
- Virginia SCC · scc.virginia.gov
- Publication 525 · irs.gov
- Untitled Document · sec.gov
- sec.gov · sec.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
NAIC life insurance policy loans cash value interest lapse tax consumer guide OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS life insurance policy loans taxable surrender lapse outstanding loan modified endowment contract OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |