Real ChatGPT answer · index seedMW1nE0fIIzkcompleteInsurance · life insuranceinformational

Can a smoker qualify for standard rates if they only smoke cigars occasionally and need a policy right now?

ChatGPTgpt-62 queries11/1/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Can a smoker qualify for standard rates if they only smoke cigars occasionally and need a policy right now?
2 real searches · 1 real-search pass
life insurance occasional cigar smoker underwriting standard non tobacco rates cigar use guidelines 2026Google ↗
OBSERVEDReason
life insurance cigar smoker underwriting occasional cigars no nicotine test carrier guidelinesGoogle ↗
OBSERVEDOther / navigational

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 / navigational50%ComparisonConsequenceReason50%DefinitionInstructionYes / no

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 standard non tobacco rates cigar use guidelines 2026 Google ↗
life insurance cigar smoker underwriting occasional cigars no nicotine test carrier guidelines Google ↗
  1. Life Insurance Field Underwriting Guide · innovativeunderwriters.com
  2. Smoker/Non-Smoker Guidelines · docs.crumplifeinsurance.com
  3. Smoker/Non-Smoker Guidelines · usmarketingcorp.com

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
life insurance occasional cigar smoker underwriting standard non tobacco rates cigar use guidelines 2026
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1
life insurance cigar smoker underwriting occasional cigars no nicotine test carrier guidelines
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1