Real ChatGPT answer · index seed3VUCVuoty3EcompleteInsurance · disability insuranceinformational

Are New York Life disability policies worth the higher premium compared to cheaper mutual companies when you are watching every single dollar you spend?

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Are New York Life disability policies worth the higher premium compared to cheaper mutual companies when you are watching every single dollar you spend?
2 real searches · 1 real-search pass
New York Life individual disability insurance policy contract own occupation residual disability future purchase option premiums mutual insurers comparisonGoogle ↗
OBSERVEDComparison
individual disability insurance how to compare policies own occupation elimination period residual benefits guaranteed renewable noncancelable 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 (2)
Short factOther / navigationalComparison100%ConsequenceReasonDefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 1 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
New York Life individual disability insurance policy contract own occupation residual disability future purchase option premiums mutual insurers comparison Google ↗
individual disability insurance how to compare policies own occupation elimination period residual benefits guaranteed renewable noncancelable NAIC Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
New York Life individual disability insurance policy contract own occupation residual disability future purchase option premiums mutual insurers comparison
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1
individual disability insurance how to compare policies own occupation elimination period residual benefits guaranteed renewable noncancelable NAIC
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1