Real ChatGPT answer · index seedVCgqpbVZfYEcompleteInsurance · disability insurancecommercial

Is it possible to negotiate the monthly premium on a New York Life disability policy if our household income fluctuates significantly from year to year due to bonuses?

ChatGPTgpt-62 queries11/1/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Is it possible to negotiate the monthly premium on a New York Life disability policy if our household income fluctuates significantly from year to year due to bonuses?
2 real searches · 1 real-search pass
New York Life individual disability insurance premium change lower premium policy options dividends disability insurance officialGoogle ↗
OBSERVEDComparison
New York Life disability insurance policy premium guaranteed level premiums adjustable premium riders officialGoogle ↗
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%Comparison50%ConsequenceReasonDefinitionInstructionYes / 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
New York Life individual disability insurance premium change lower premium policy options dividends disability insurance official Google ↗
New York Life disability insurance policy premium guaranteed level premiums adjustable premium riders official Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
New York Life individual disability insurance premium change lower premium policy options dividends disability insurance official
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1
New York Life disability insurance policy premium guaranteed level premiums adjustable premium riders official
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1