What steps are involved in executing a tax free 1035 exchange from a high fee whole life policy into a lower cost index universal life product today?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What steps are involved in executing a tax free 1035 exchange from a high fee whole life policy into a lower cost index universal life product today?
3 real searches · 1 real-search pass
IRS Section 1035 exchange life insurance policy requirements basis policy loans publicationGoogle ↗
OBSERVEDReason
Florida life insurance replacement regulation 69B-151 replacement notice requirementsGoogle ↗
OBSERVEDConsequence
NAIC life insurance illustrations replacement universal life consumer guide indexed universal lifeGoogle ↗
OBSERVEDOther / navigational
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
IRS Section 1035 exchange life insurance policy requirements basis policy loans publication Google ↗
Florida life insurance replacement regulation 69B-151 replacement notice requirements Google ↗
NAIC life insurance illustrations replacement universal life consumer guide indexed universal life Google ↗
- Life Insurance Overview | Consumer Services · myfloridacfo.com
- Insurance Topics | Life Insurance Illustrations · content.naic.org
- 26 U.S. Code § 1035 - Certain exchanges of insurance policies | U.S. Code | US Law · law.cornell.edu
- 26 CFR 1.1035-1 | Certain exchanges of… · ecfr.io
- Florida Administrative Code, Chapter 69B-151, Section 69B-151.006 - Duties of Replacing Agent | Florida Administrative Code · regulations.justia.com
- NOTICE TO APPLICANT REGARDING · flrules.elaws.us
- Internal Revenue Bulletin: 2026-31 · irs.gov
- Information Reporting and Transfer for Valuable Consideration Rules for Section 1035 Exchanges of Life Insurance and Certain Other Life Insurance Contract Transactions, 42345-42353 [2026-13830] :: Internal Revenue Service :: Department Of Treasury :: Regulation Tracker :: Justia · regulations.justia.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS Section 1035 exchange life insurance policy requirements basis policy loans publication OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Florida life insurance replacement regulation 69B-151 replacement notice requirements OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
NAIC life insurance illustrations replacement universal life consumer guide indexed universal life OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |