What are the typical smoker life insurance rates for a small business owner who quit cigarettes six months ago, and can I get re-evaluated later to lower my monthly premium?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the typical smoker life insurance rates for a small business owner who quit cigarettes six months ago, and can I get re-evaluated later to lower my monthly premium?
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
life insurance smoker quit smoking 6 months nonsmoker classification 12 months 2 years reclassification policy guidelines 2026 Google ↗
life insurance rate reconsideration after quitting smoking policy reclassification term life insurance Google ↗
- Best Life Insurance for Smokers in 2026 · moneygeek.com
- Life Insurance for Smokers and Tobacco Users + Current Rates · nerdwallet.com
- Can You Lie About Smoking on Life Insurance? · insure.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
life insurance smoker quit smoking 6 months nonsmoker classification 12 months 2 years reclassification policy guidelines 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
life insurance rate reconsideration after quitting smoking policy reclassification term life insurance OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |