I have a history of anxiety and depression so which disability insurance providers offer the best coverage without charging exorbitant mental health condition rate surcharges?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I have a history of anxiety and depression so which disability insurance providers offer the best coverage without charging exorbitant mental health condition rate surcharges?
3 real searches · 1 real-search pass
individual disability insurance anxiety depression underwriting mental nervous limitation insurers Guardian Principal Ameritas MassMutual 2026Google ↗
OBSERVEDYes / no
disability insurance mental health history underwriting exclusion surcharge broker comparison own occupationGoogle ↗
OBSERVEDComparison
individual disability insurance policy mental nervous limitation 24 months insurer policy provisionsGoogle ↗
OBSERVEDDefinition
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
individual disability insurance anxiety depression underwriting mental nervous limitation insurers Guardian Principal Ameritas MassMutual 2026 Google ↗
disability insurance mental health history underwriting exclusion surcharge broker comparison own occupation Google ↗
individual disability insurance policy mental nervous limitation 24 months insurer policy provisions Google ↗
- State of Disability Underwriting (2026) · seaworthy.io
- Disability Insurance Carriers · seaworthy.io
- Understanding Disability Insurance with Pre-Existing Conditions · guardianlife.com
- Underwriting Practices · massmutual.com
- 2025 annual survey of the U.S. individual disability income insurance market · media.milliman.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
individual disability insurance anxiety depression underwriting mental nervous limitation insurers Guardian Principal Ameritas MassMutual 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
disability insurance mental health history underwriting exclusion surcharge broker comparison own occupation OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
individual disability insurance policy mental nervous limitation 24 months insurer policy provisions OBSERVED | Google ↗ AI Mode ↗ | — | Definition | — | — | 1x of 1 |