Are Banner Life rates for smokers really as low as advertised online or do they end up costing much more after underwriting
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Are Banner Life rates for smokers really as low as advertised online or do they end up costing much more after underwriting
2 real searches · 1 real-search pass
Banner Life Legal & General America smoker life insurance underwriting tobacco rates online quote final premium underwriting classes cigarettes vaping nicotineGoogle ↗
OBSERVEDReason
Banner Life life insurance underwriting tobacco use nicotine cotinine test smoker rates term lifeGoogle ↗
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
Banner Life Legal & General America smoker life insurance underwriting tobacco rates online quote final premium underwriting classes cigarettes vaping nicotine Google ↗
Banner Life life insurance underwriting tobacco use nicotine cotinine test smoker rates term life Google ↗
- OPTerm · bannerlife.com
- FEBRUARY 2026 · bannerlife.com
- Life Insurance for Smokers and Tobacco Users + Current Rates · nerdwallet.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Banner Life Legal & General America smoker life insurance underwriting tobacco rates online quote final premium underwriting classes cigarettes vaping nicotine OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Banner Life life insurance underwriting tobacco use nicotine cotinine test smoker rates term life OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |