Is it better to get an individual universal life cash value policy or rely on group coverage when I have twelve staff members and worry about portability of group policies?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is it better to get an individual universal life cash value policy or rely on group coverage when I have twelve staff members and worry about portability of group policies?
3 real searches · 1 real-search pass
IRS employer provided group term life insurance $50,000 taxable imputed income section 79 officialGoogle ↗
OBSERVEDReason
NAIC consumer guide universal life insurance cash value premiums policy lapseGoogle ↗
OBSERVEDConsequence
Department of Labor group life insurance portability conversion rights employer group life insurance ERISAGoogle ↗
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 (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 employer provided group term life insurance $50,000 taxable imputed income section 79 official Google ↗
NAIC consumer guide universal life insurance cash value premiums policy lapse Google ↗
Department of Labor group life insurance portability conversion rights employer group life insurance ERISA Google ↗
- Life Insurance Guide · insurance.ca.gov
- Insurance Topics | Life Insurance · content.naic.org
- Universal Life Considerations · ncdoi.gov
- Life Insurance · content.naic.org
- Group-term life insurance · irs.gov
- Publication 15-B (2026), Employer’s Tax Guide to Fringe Benefits · irs.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS employer provided group term life insurance $50,000 taxable imputed income section 79 official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
NAIC consumer guide universal life insurance cash value premiums policy lapse OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Department of Labor group life insurance portability conversion rights employer group life insurance ERISA OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |