How much does being an occasional vaper or smoker impact life insurance rates for someone in their early twenties right now?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How much does being an occasional vaper or smoker impact life insurance rates for someone in their early twenties right now?
1 real search · 1 real-search pass
2026 life insurance rates smoker vs non smoker age 20 25 nicotine vaping underwriting occasional smoking United StatesGoogle ↗
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 life insurance rates smoker vs non smoker age 20 25 nicotine vaping underwriting occasional smoking United States Google ↗
- Life Insurance for Vapers · policygenius.com
- Life Insurance for Smokers and Tobacco Users + Current Rates · nerdwallet.com
- Life Insurance for Smokers · progressive.com
- Cheap Life Insurance for Smokers · valuepenguin.com
- Why Do Life Insurance Companies Test for Nicotine · ethos.com