Real ChatGPT answer · index seedBvvuQazTiMscompleteInsurance · life insurancehowto

Can you help me figure out why my life insurance premium doubled when I turned sixty five and smoked just a few cigars a year?

ChatGPTgpt-62 queries10/30/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Can you help me figure out why my life insurance premium doubled when I turned sixty five and smoked just a few cigars a year?
2 real searches · 1 real-search pass
life insurance occasional cigar smoker underwriting cigar use non-smoker classification policy premium age 65 annual renewable term premium increaseGoogle ↗
OBSERVEDYes / no
Florida life insurance consumer complaint premium increase policy age 65 Florida Office of Insurance RegulationGoogle ↗
OBSERVEDConsequence

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 / navigationalComparisonConsequence50%ReasonDefinitionInstructionYes / no50%

Classes come from the query-classifier (a local Laya model). 2 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
life insurance occasional cigar smoker underwriting cigar use non-smoker classification policy premium age 65 annual renewable term premium increase Google ↗
Florida life insurance consumer complaint premium increase policy age 65 Florida Office of Insurance Regulation Google ↗
  1. LIFE INSURANCE · innovativeunderwriters.com
  2. Underwriting Guide | Life Products · piclife.com
  3. Life Insurance for Smokers and Tobacco Users + Current Rates · nerdwallet.com

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
life insurance occasional cigar smoker underwriting cigar use non-smoker classification policy premium age 65 annual renewable term premium increase
OBSERVED
Google ↗
AI Mode ↗
—Yes / no——1x
of 1
Florida life insurance consumer complaint premium increase policy age 65 Florida Office of Insurance Regulation
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1