Are there any income protection plans from major insurers that actually cover ongoing treatments for chronic autoimmune diseases without severe exclusion clauses?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Are there any income protection plans from major insurers that actually cover ongoing treatments for chronic autoimmune diseases without severe exclusion clauses?
5 real searches · 1 real-search pass
United States individual disability income insurance pre-existing condition autoimmune disease underwriting exclusion rider chronic illness major insurers 2026Google ↗
OBSERVEDReason
site:guardianlife.com disability insurance pre-existing condition exclusion underwriting individual disability incomeGoogle ↗
OBSERVEDOther / navigational
site:principal.com disability insurance pre-existing conditions exclusion underwritingGoogle ↗
OBSERVEDOther / navigational
site:ameritas.com disability income insurance pre-existing condition exclusion underwritingGoogle ↗
OBSERVEDOther / navigational
site:massmutual.com disability income insurance pre-existing condition underwriting pre-existing conditionsGoogle ↗
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 (5)
Classes come from the query-classifier (a local Laya model). 5 of 5 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT5 real searches · gpt-6
United States individual disability income insurance pre-existing condition autoimmune disease underwriting exclusion rider chronic illness major insurers 2026 Google ↗
site:guardianlife.com disability insurance pre-existing condition exclusion underwriting individual disability income Google ↗
site:principal.com disability insurance pre-existing conditions exclusion underwriting Google ↗
site:ameritas.com disability income insurance pre-existing condition exclusion underwriting Google ↗
site:massmutual.com disability income insurance pre-existing condition underwriting pre-existing conditions Google ↗
- Disability Income Insurance · ameritas.com
- Individual Disability Income Insurance Guaranteed Standard Issue · principal.com
- Supplemental Income Protection · ameritas.com
- Marketplace health plans cover pre-existing conditions · healthcare.gov
- Rights & Protections · healthcare.gov
- Standards for Individual Disability Income Insurance Policies · insurancecompact.org
- Individual Disability Income Buy Sell Insurance Policy Standards · insurancecompact.org
Queries
5 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
United States individual disability income insurance pre-existing condition autoimmune disease underwriting exclusion rider chronic illness major insurers 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
site:guardianlife.com disability insurance pre-existing condition exclusion underwriting individual disability income OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
site:principal.com disability insurance pre-existing conditions exclusion underwriting OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
site:ameritas.com disability income insurance pre-existing condition exclusion underwriting OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
site:massmutual.com disability income insurance pre-existing condition underwriting pre-existing conditions OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |