Real ChatGPT answer · index seed85NRwGIEmnscompleteCareers and HR · workplace benefitscomparison

Should I cancel my supplemental term life insurance policy through work and buy an independent policy to get lower rates as a non-smoker?

ChatGPTgpt-62 queries11/1/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Should I cancel my supplemental term life insurance policy through work and buy an independent policy to get lower rates as a non-smoker?
2 real searches · 1 real-search pass
employer group supplemental life insurance vs individual term life portability conversion premiums non smoker underwriting NAICGoogle ↗
OBSERVEDComparison
life insurance employer coverage should I replace with individual term policy consumer guidance state insurance departmentGoogle ↗
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
employer group supplemental life insurance vs individual term life portability conversion premiums non smoker underwriting NAIC Google ↗
life insurance employer coverage should I replace with individual term policy consumer guidance state insurance department Google ↗
  1. Life Insurance: Who's Depending on You? · michigan.gov
  2. Small Business Insurance · content.naic.org

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
employer group supplemental life insurance vs individual term life portability conversion premiums non smoker underwriting NAIC
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1
life insurance employer coverage should I replace with individual term policy consumer guidance state insurance department
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1