As a smoker with a high stress job looking for a policy, what are the best life insurance options right now and how much can I expect my monthly rates to increase?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
As a smoker with a high stress job looking for a policy, what are the best life insurance options right now and how much can I expect my monthly rates to increase?
2 real searches · 1 real-search pass
2026 life insurance smoker rates term life monthly premiums age coverage tobacco underwriting occupational risk stress jobGoogle ↗
OBSERVEDConsequence
life insurance underwriting occupation hazardous job stress smoking tobacco classification official insurer underwriting guide 2026Google ↗
OBSERVEDReason
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 term life monthly premiums age coverage tobacco underwriting occupational risk stress job Google ↗
life insurance underwriting occupation hazardous job stress smoking tobacco classification official insurer underwriting guide 2026 Google ↗
- Best Life Insurance for Smokers in 2026 · moneygeek.com
- Average Life Insurance Cost in 2026 · moneygeek.com
- Average Life Insurance Rates for 2026 · nerdwallet.com
- Denied Life Insurance Application? Next Steps · nylaarp.newyorklife.com
- How Does Life Insurance Underwriting Work? · aflac.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 term life monthly premiums age coverage tobacco underwriting occupational risk stress job OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
life insurance underwriting occupation hazardous job stress smoking tobacco classification official insurer underwriting guide 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |