I used to smoke cigarettes five years ago but now use nicotine gum, so how do I get my life insurance company to recalculate my rates as a non smoker?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I used to smoke cigarettes five years ago but now use nicotine gum, so how do I get my life insurance company to recalculate my rates as a non smoker?
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
US life insurance smoker reclassification nicotine replacement therapy nicotine gum underwriting non-smoker rates insurer rules Google ↗
life insurance tobacco user nicotine gum cotinine test underwriting reconsideration rate class official insurer Google ↗
- TOBACCO/MARIJUANA USE · agent-uslife.palig.com
- Underwriting Guide | Life Products · piclife.com
- Traditional Underwriting | Financial Professional · securian.com
- N.Y. Comp. Codes R. & Regs. Tit. 11 § 57.5 - Classification and reclassification | State Regulations | US Law · law.cornell.edu
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
US life insurance smoker reclassification nicotine replacement therapy nicotine gum underwriting non-smoker rates insurer rules OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
life insurance tobacco user nicotine gum cotinine test underwriting reconsideration rate class official insurer OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |