Is New York Life custom whole life worth the extra cost compared to a cheaper term policy from Banner Life right now
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is New York Life custom whole life worth the extra cost compared to a cheaper term policy from Banner Life right now
3 real searches · 1 real-search pass
New York Life Custom Whole Life policy guaranteed cash value dividends official 2026Google ↗
OBSERVEDOther / navigational
Banner Life term life insurance OPTerm official 2026 financial strength ratingsGoogle ↗
OBSERVEDComparison
whole life versus term life insurance consumer guidance NAICGoogle ↗
OBSERVEDComparison
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
New York Life Custom Whole Life policy guaranteed cash value dividends official 2026 Google ↗
Banner Life term life insurance OPTerm official 2026 financial strength ratings Google ↗
whole life versus term life insurance consumer guidance NAIC Google ↗
- Whole Life Insurance | Custom Cash Value Whole Life · newyorklife.com
- Consumer Life Insurance FAQ · dfs.ny.gov
- OPTerm Life Insurance | Term Life Coverage Details · bannerlife.com
- Life Insurance · content.naic.org
- Insurance Topics | Life Insurance · content.naic.org
- AM Best Removes From Under Review With Developing Implications and Downgrades Credit Ratings of Banner Life Insurance Company and William Penn Life Insurance Company of New York · news.ambest.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
New York Life Custom Whole Life policy guaranteed cash value dividends official 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
Banner Life term life insurance OPTerm official 2026 financial strength ratings OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
whole life versus term life insurance consumer guidance NAIC OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |