What are the latest changes to smoker penalty rates across top life insurance carriers for small business owners in 2026?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the latest changes to smoker penalty rates across top life insurance carriers for small business owners in 2026?
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 smoker rates tobacco underwriting carrier changes 2026 term life insurance carriers Google ↗
2026 life insurance tobacco smoker underwriting guidelines carrier rate classes nicotine cigar marijuana small business owners Google ↗
- Cheap Life Insurance for Smokers · valuepenguin.com
- Average Life Insurance Rates for 2026 · nerdwallet.com
- Life Insurance for Smokers (2026): Rates and Tobacco Rules · steelwaterinsurance.com
- News · buiusa.com
- Preferred Stretch Program | Financial Professional · securian.com
- Nationwide® Underwriting · nbainc.com
- Life Insurance for Smokers: What You Need to Know · newyorklife.com
- Banner Reprices OPTerm; Qualifying Applicants Can Get the Better Rate Through Oct. 22 · lifepolicywire.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 life insurance smoker rates tobacco underwriting carrier changes 2026 term life insurance carriers OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
2026 life insurance tobacco smoker underwriting guidelines carrier rate classes nicotine cigar marijuana small business owners OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |