Are there any life insurance companies today that offer affordable rates to people who use nicotine gum or vape regularly?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Are there any life insurance companies today that offer affordable rates to people who use nicotine gum or vape regularly?
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 underwriting nicotine gum vaping rates non tobacco classification carriers nicotine replacement therapy Google ↗
life insurance companies vaping nicotine gum underwriting non smoker rates nicotine replacement therapy 2026 Google ↗
- Cheap Life Insurance for Smokers · valuepenguin.com
- Avoid Smoker Rates With Nicotine · lifestein.com
- Tobacco Underwriting Exceptions · cpsadvantage.com
- Does Your Client Pay Too Much for Life Insurance? · buiusa.com
- Vaping and Life Insurance: What You Should Know · moneygeek.com
- Life Insurance for Smokers and Tobacco Users + Current Rates · nerdwallet.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 life insurance underwriting nicotine gum vaping rates non tobacco classification carriers nicotine replacement therapy OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
life insurance companies vaping nicotine gum underwriting non smoker rates nicotine replacement therapy 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |