What are the underwriting rules for smokers applying for term life insurance online right now, and how much more will I pay compared to my non smoking peers?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the underwriting rules for smokers applying for term life insurance online right now, and how much more will I pay compared to my non smoking peers?
2 real searches · 1 real-search pass
2026 current US term life insurance smoker underwriting rules tobacco nicotine vaping cotinine lookback period online accelerated underwriting insurer guidelinesGoogle ↗
OBSERVEDReason
2026 term life insurance smoker vs nonsmoker premium rate comparison 20 year term quotes age 30 40 50Google ↗
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)
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
2026 current US term life insurance smoker underwriting rules tobacco nicotine vaping cotinine lookback period online accelerated underwriting insurer guidelines Google ↗
2026 term life insurance smoker vs nonsmoker premium rate comparison 20 year term quotes age 30 40 50 Google ↗
- Why Do Life Insurance Companies Test for Nicotine · ethos.com
- Vaping and Life Insurance: What You Should Know · moneygeek.com
- Average Life Insurance Cost in 2026 · moneygeek.com
- Insurance Topics | Accelerated Underwriting · content.naic.org
- How Much Does Term Life Insurance Cost? (2026 Rates) · moneygeek.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 current US term life insurance smoker underwriting rules tobacco nicotine vaping cotinine lookback period online accelerated underwriting insurer guidelines OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
2026 term life insurance smoker vs nonsmoker premium rate comparison 20 year term quotes age 30 40 50 OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |