I am a smoker trying to protect my two kids, so which life insurance carriers currently offer the most forgiving underwriting guidelines and lowest premiums for tobacco users?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I am a smoker trying to protect my two kids, so which life insurance carriers currently offer the most forgiving underwriting guidelines and lowest premiums for tobacco users?
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). 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
2026 best life insurance companies for smokers tobacco rates underwriting guidelines cigarettes nicotine carrier comparison Google ↗
life insurance smoker rates carrier underwriting guidelines tobacco user term life 2026 Google ↗
- Cheapest Life Insurance for Smokers: Affordable 2026 Rates · moneygeek.com
- Best Life Insurance for Smokers in 2026 · moneygeek.com
- Best Life Insurance for Smokers · policygenius.com
- Life Insurance for Smokers and Tobacco Users + Current Rates · nerdwallet.com
- 6 Best No-Exam Life Insurance Companies (2026) · moneygeek.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 best life insurance companies for smokers tobacco rates underwriting guidelines cigarettes nicotine carrier comparison OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
life insurance smoker rates carrier underwriting guidelines tobacco user term life 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |