Can you compare the current smoker versus non smoker life insurance rates for a small business owner in my fifties looking to protect my company?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can you compare the current smoker versus non smoker life insurance rates for a small business owner in my fifties looking to protect my company?
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). 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
2026 life insurance term rates age 50 55 60 smoker nonsmoker monthly $500000 20 year term Google ↗
small business life insurance key person buy sell agreement business owned life insurance IRS premiums deductible Google ↗
- Life Insurance for Smokers and Tobacco Users + Current Rates · nerdwallet.com
- Average Life Insurance Rates for 2026 · nerdwallet.com
- Average Life Insurance Cost in 2026 · moneygeek.com
- Publication 334 (2025), Tax Guide for Small Business · irs.gov
- Key Person Insurance & Buy-Sell Agreements: How They Work · nrcpas.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 life insurance term rates age 50 55 60 smoker nonsmoker monthly $500000 20 year term OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
small business life insurance key person buy sell agreement business owned life insurance IRS premiums deductible OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |