What are the underwriting criteria for cigar smokers applying for a million-dollar term life policy in Utah right now?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the underwriting criteria for cigar smokers applying for a million-dollar term life policy in Utah right now?
3 real searches · 1 real-search pass
2026 life insurance carrier underwriting guidelines cigar use occasional cigars nicotine test term lifeGoogle ↗
OBSERVEDReason
2026 life insurance underwriting cigar smoker occasional cigar non-smoker rates term life underwriting guidelinesGoogle ↗
OBSERVEDReason
Utah life insurance underwriting tobacco cigar smoker regulations life insurance applicationGoogle ↗
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
2026 life insurance carrier underwriting guidelines cigar use occasional cigars nicotine test term life Google ↗
2026 life insurance underwriting cigar smoker occasional cigar non-smoker rates term life underwriting guidelines Google ↗
Utah life insurance underwriting tobacco cigar smoker regulations life insurance application Google ↗
- Tobacco Use Guidelines (other than cigarettes)*As of 01/25Carrier | Type/Duration | Rate Classification · mvp4me.com
- Smoker/Nonsmoker Guidelines · resourcebrokerage.com
- Preferred Stretch Program | Financial Professional · securian.com
- Underwriting criteria through age 70 · nbainc.com
- Utah Office of Administrative Rules · adminrules.utah.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 life insurance carrier underwriting guidelines cigar use occasional cigars nicotine test term life OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
2026 life insurance underwriting cigar smoker occasional cigar non-smoker rates term life underwriting guidelines OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Utah life insurance underwriting tobacco cigar smoker regulations life insurance application OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |