Real ChatGPT answer + Gemini simulation · index seedJbwBYtGmewQcompleteAI OverviewInsurance · disability insurancecomparison
Is an any occupation clause a dealbreaker for professional service firms looking at Guardian Life disability quotes this year
ChatGPTgpt-6Geminigemini-3.5-flash-lite3 passes + 1 real-search37 queries10/30/2026
Download run
Gemini unique queries
35
1 in ≥ half the passes · stability 34%
ChatGPT real searches predicted
50%
1 of 2 matched the simulation
Fan-out diagram
Seed → topic clusters → sub-queries, per model.
SEED QUERY
Is an any occupation clause a dealbreaker for professional service firms looking at Guardian Life disability quotes this year
35 unique queries · 3 passes
own occupation versus any occupation
1 query · 2 hits
any occupation vs own occupation disability insurance professional firms2xGoogle ↗
COMPARATIVE
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). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence. 35 queries are still being classified.
What the models actually searched
Each model answered the query with its own web search. These are the searches it ran, matched to the closest simulated query.
ChatGPT2 real searches · gpt-650% predicted
Guardian disability insurance 2026 any occupation definition own occupation professional occupation policy wording Google ↗
Guardian group long term disability any occupation own occupation definition 2026 professional services firms Google ↗
- Disability Insurance Definitions and Terms · guardianlife.com
- Any-Occupation Disability Insurance · guardianlife.com
- Own Occupation Disability Insurance · guardianlife.com
- Disability Insurance for Lawyers: Long-term Income Protection Strategies · guardianlife.com
Semantic map
Every query placed by meaning (EmbeddingGemma 2, 256-d). Shaded regions are topics, nearby points are near-paraphrases, and a circle's size is how often the query came back.
Colour
SimulatedReal search
Hover a query to see its counterpart · click a topic to focus it · zoom with Ctrl/⌘ + scroll, a pinch, double-click or +
Queries
35 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
any occupation vs own occupation disability insurance professional firms COMPARATIVE | Google ↗ AI Mode ↗ | Compare the two types of disability clauses to see why any occupation might be a dealbreaker for professionals. | — | comparison_table | own occupation versus any occupation | 2x of 3 | |
guardian life any occupation disability definition current policy REFORMULATION | Google ↗ AI Mode ↗ | Find the exact wording and current standards guardian life uses for any occupation clauses. | — | product_spec_sheet | guardian policy definitions review | 1x of 3 | |
guardian life disability insurance any occupation definition REFORMULATION | Google ↗ AI Mode ↗ | Find the exact wording or definition of the any occupation clause used in current Guardian Life disability policies. | — | product_spec_sheet | guardian policy definitions review | 1x of 3 | |
guardian life disability any occupation vs own occupation professional REFORMULATION | Google ↗ AI Mode ↗ | The user wants to see how Guardian Life differentiates between any occupation and own occupation definitions for professionals. | — | product_spec_sheet | guardian policy definitions review | 1x of 3 | |
is any occupation disability rider a dealbreaker for white collar workers RELATED | Google ↗ AI Mode ↗ | The user wants to know general industry consensus on whether an any-occ clause is a major disadvantage for high-income professionals. | — | web_article | own occupation versus any occupation | 1x of 3 | |
guardian life group disability insurance review 2026 RELATED | Google ↗ AI Mode ↗ | Check overall market sentiment and reviews for guardian life disability offerings this year. | — | review_roundup | guardian policy definitions review | 1x of 3 | |
is any occupation disability rider worth it for small business owners RELATED | Google ↗ AI Mode ↗ | Understand the general value and risk profile of accepting an any occupation limitation in business disability coverage. | — | buyers_guide | own occupation versus any occupation | 1x of 3 | |
guardian life group long term disability policy provisions 2026 IMPLICIT | Google ↗ AI Mode ↗ | The user needs current contract provisions and underwriting standards for Guardian Life policies this year. | — | pdf_whitepaper | guardian policy definitions review | 1x of 3 | |
disability insurance for law firms accounting practices financial services ENTITY EXPANSION | Google ↗ AI Mode ↗ | Identify what types of disability coverage professional service firms typically purchase. | — | buyers_guide | own occupation versus any occupation | 1x of 3 | |
guardian life group disability insurance policy provisions 2026 ENTITY EXPANSION | Google ↗ AI Mode ↗ | Look up recent policy updates or provision changes made by Guardian Life for disability contracts. | — | pdf_whitepaper | guardian policy definitions review | 1x of 3 | |
guardian vs massmutual own occupation disability insurance comparison COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to compare Guardian's disability contract definitions against top competitors like MassMutual. | — | comparison_table | guardian policy definitions review | 1x of 3 | |
why white collar professionals avoid any occupation disability insurance IMPLICIT | Google ↗ AI Mode ↗ | Understand the risk factors high earners face under standard any occupation definitions. | — | web_article | own occupation versus any occupation | 1x of 3 | |
disability insurance for law firms and accounting practices best carriers IMPLICIT | Google ↗ AI Mode ↗ | Discover which disability insurance carriers are most accommodating to professional service firms. | — | review_roundup | own occupation versus any occupation | 1x of 3 | |
guardian life disability insurance for law firms and accounting practices ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants specific examples of how Guardian packages disability insurance for specific professional service businesses like law and accounting firms. | — | case_study | guardian policy definitions review | 1x of 3 | |
best disability insurance carrier for white collar professionals own occupation PERSONALIZED | Google ↗ AI Mode ↗ | Discover top-rated insurance providers that specialize in own occupation coverage for high-income earners. | — | buyers_guide | own occupation versus any occupation | 1x of 3 | |
top disability insurance features for high income professionals PERSONALIZED | Google ↗ AI Mode ↗ | Identify key policy features that matter most to high-earning professionals purchasing disability coverage. | — | web_article | own occupation versus any occupation | 1x of 3 | |
best disability insurance definitions for small business partners PERSONALIZED | Google ↗ AI Mode ↗ | The user is looking for advice tailored to business owners and partners who have different risk profiles than standard W-2 employees. | — | buyers_guide | own occupation versus any occupation | 1x of 3 | |
guardian life modified own occupation rider availability REFORMULATION | Google ↗ AI Mode ↗ | Check if guardian life offers hybrid or modified own occupation options to mitigate any occ clauses. | — | product_spec_sheet | guardian policy definitions review | 1x of 3 | |
what does any occupation mean in long term disability insurance REFORMULATION | Google ↗ AI Mode ↗ | Get a clear explanation of the standard insurance industry definition of any occupation. | — | glossary/definition | own occupation versus any occupation | 1x of 3 | |
what is true own occupation disability insurance definition REFORMULATION | Google ↗ AI Mode ↗ | The user wants a precise definition of true own occupation versus any occupation clauses. | — | glossary/definition | own occupation versus any occupation | 1x of 3 | |
what does any occupation mean in a disability policy RELATED | Google ↗ AI Mode ↗ | Learn the legal and operational definition of an any occupation clause. | — | glossary/definition | own occupation versus any occupation | 1x of 3 | |
guardian life disability insurance reviews and complaints RELATED | Google ↗ AI Mode ↗ | Read customer and broker feedback regarding Guardian Life's disability claims handling and policy terms. | — | forum/qna | guardian policy definitions review | 1x of 3 | |
disability insurance any occupation clause pros and cons for employers RELATED | Google ↗ AI Mode ↗ | The user wants to weigh the cost savings of any-occupation clauses against the risk of employee dissatisfaction. | — | faq_page | own occupation versus any occupation | 1x of 3 | |
disability insurance claim denial any occupation professional precedent IMPLICIT | Google ↗ AI Mode ↗ | Find case studies or examples of professionals having claims denied under any occupation terms. | — | case_study | own occupation versus any occupation | 1x of 3 | |
how do disability insurers define total disability for attorneys and consultants ENTITY EXPANSION | Google ↗ AI Mode ↗ | Investigate how specialized occupation definitions apply to specific white-collar professions. | — | faq_page | own occupation versus any occupation | 1x of 3 | |
guardian life disability underwriting guidelines occupational classes IMPLICIT | Google ↗ AI Mode ↗ | The user wants to understand how Guardian classifies different professionals and how that impacts disability clause availability. | — | product_spec_sheet | guardian policy definitions review | 1x of 3 | |
guardian life disability insurance quotes small business professional firm ENTITY EXPANSION | Google ↗ AI Mode ↗ | Get pricing and quote structures for small to mid-sized professional practices with guardian life. | — | pricing_page | guardian policy definitions review | 1x of 3 | |
disability insurance own occupation rider cost guardian life COMPARATIVE | Google ↗ AI Mode ↗ | Find pricing impacts of upgrading from an any occupation to an own occupation definition with Guardian. | — | pricing_page | guardian policy definitions review | 1x of 3 | |
guardian disability insurance reviews 2026 broker feedback RELATED | Google ↗ AI Mode ↗ | The user wants recent feedback from insurance brokers regarding Guardian's competitiveness and contract flexibility. | — | review_roundup | guardian policy definitions review | 1x of 3 | |
is any occupation rider worth it disability insurance RELATED | Google ↗ AI Mode ↗ | Read community or expert discussions on whether policies with strict definitions should be bypassed entirely. | — | forum/qna | own occupation versus any occupation | 1x of 3 | |
negotiating disability insurance contract terms for small business IMPLICIT | Google ↗ AI Mode ↗ | Learn strategies for negotiating or modifying unfavorable insurance contract clauses with carriers. | — | how_to_steps | own occupation versus any occupation | 1x of 3 | |
how do group disability transition from own occ to any occ work REFORMULATION | Google ↗ AI Mode ↗ | The user wants to understand the mechanics of the transition period in group long-term disability policies. | — | how_to_steps | own occupation versus any occupation | 1x of 3 | |
professional service firm employee benefits disability rider negotiation ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants advice on negotiating custom riders for professional service firm group disability plans. | — | web_article | own occupation versus any occupation | 1x of 3 | |
how to negotiate disability insurance terms with guardian life REFORMULATION | Google ↗ AI Mode ↗ | Learn strategies for negotiating better definitions or removing undesirable clauses in guardian policies. | — | how_to_steps | guardian policy definitions review | 1x of 3 | |
evaluating group disability insurance proposals checklist RELATED | Google ↗ AI Mode ↗ | Obtain a structured checklist for reviewing disability insurance quotes and contract clauses. | — | checklist | own occupation versus any occupation | 1x of 3 |
Passes
Does another pass still surface new queries? A flattening curve means the fan-out has stabilised.
Geminix = pass, y = cumulative unique queries
| Model | Pass | Target | Generated | Seconds | Tokens (in / out) | Notes |
|---|---|---|---|---|---|---|
| gemini-3.5-flash-lite | 1 | 12 | 12 | — | 915 / 1,534 | |
| gemini-3.5-flash-lite | 2 | 12 | 12 | — | 915 / 1,400 | |
| gemini-3.5-flash-lite | 3 | 12 | 12 | — | 915 / 1,482 |