Which national carriers currently offer the most competitive smoker rates for permanent whole life products available through agents in St. Louis?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Which national carriers currently offer the most competitive smoker rates for permanent whole life products available through agents in St. Louis?
1 real search · 1 real-search pass
2026 best whole life insurance companies smokers tobacco rates Mutual of Omaha MassMutual Guardian New York Life Penn MutualGoogle ↗
OBSERVEDComparison
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 (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
2026 best whole life insurance companies smokers tobacco rates Mutual of Omaha MassMutual Guardian New York Life Penn Mutual Google ↗
- 5 Best Whole Life Insurance Companies in 2026 · nerdwallet.com
- 2025 Full Year Top 20 While Life Company Rankings · limra.com
- Best Life Insurance for Smokers in 2026 · moneygeek.com