What factors cause the policy loan interest rates to spike on older universal life insurance contracts?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What factors cause the policy loan interest rates to spike on older universal life insurance contracts?
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
older universal life insurance policy loan interest rate variable formula Moody's corporate bond yield average contract provisions Google ↗
NAIC universal life insurance policy loans interest rate adjustable fixed maximum contract Google ↗
- NAIC Model Laws, Regulations, Guidelines and Other Resources—April 2000 · content.naic.org
- Indiana Code § 27-1-12.3-2. Required Provisions in Policies :: 2025 Indiana Code :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- sec.gov · sec.gov
- sec.gov · sec.gov
- content-archive.fast-edgar.com · content-archive.fast-edgar.com
- New York Insurance Law § 3206 (2025) - Policies Which Provide for an Adjustable Maximum Rate of Interest on Policy Loans. :: 2025 New York Laws :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- New York Codes, Rules and Regulations, Part 43, Section 43.4 - Policy loans | New York Codes, Rules and Regulations · regulations.justia.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
older universal life insurance policy loan interest rate variable formula Moody's corporate bond yield average contract provisions OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
NAIC universal life insurance policy loans interest rate adjustable fixed maximum contract OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |