What are the most common pre existing condition clause exclusions I should watch out for when comparing Mutual of Omaha and Lincoln Financial offers?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the most common pre existing condition clause exclusions I should watch out for when comparing Mutual of Omaha and Lincoln Financial offers?
3 real searches · 1 real-search pass
Mutual of Omaha long term care insurance policy pre-existing condition limitation 6 months 2026 policy formGoogle ↗
OBSERVEDYes / no
Lincoln Financial long term care insurance pre-existing condition limitation policy 6 monthsGoogle ↗
OBSERVEDYes / no
NAIC long term care insurance preexisting condition exclusion look back period policy replacement state variationsGoogle ↗
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
Mutual of Omaha long term care insurance policy pre-existing condition limitation 6 months 2026 policy form Google ↗
Lincoln Financial long term care insurance pre-existing condition limitation policy 6 months Google ↗
NAIC long term care insurance preexisting condition exclusion look back period policy replacement state variations Google ↗
- EX-99.30(d)(26) · sec.gov
- EX-99.30(d)(28) · sec.gov
- Long Term Care Coverage Long Term Care Insurance Policy · mutualofomaha.com
- Long Term Care Coverage Long Term Care Insurance Policy · mutualofomaha.com
- Underwriting at a glance Lincoln MoneyGuard® Solutions — Life insurance with a long-term care rider · lincolnfinancial.com
- Nevada Administrative Code, , Section 687B.111 - Coverage for preexisting conditions | Nevada Administrative Code · regulations.justia.com
- NAC: CHAPTER 687B · leg.state.nv.us
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Mutual of Omaha long term care insurance policy pre-existing condition limitation 6 months 2026 policy form OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
Lincoln Financial long term care insurance pre-existing condition limitation policy 6 months OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
NAIC long term care insurance preexisting condition exclusion look back period policy replacement state variations OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |