Are there any top tier disability insurance carriers that offer full own occupation coverage with zero offsets for concurrent W2 consulting income?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Are there any top tier disability insurance carriers that offer full own occupation coverage with zero offsets for concurrent W2 consulting income?
4 real searches · 1 real-search pass
individual disability insurance true own occupation income from other occupation offset W-2 consulting income Guardian MassMutual Principal Ameritas 2026Google ↗
OBSERVEDYes / no
disability insurance policy total disability benefits earnings from other occupation not offset own occupation wording concurrent incomeGoogle ↗
OBSERVEDReason
Guardian ProVider Plus own occupation other occupation income offset policy contractGoogle ↗
OBSERVEDOther / navigational
MassMutual Radius Choice own occupation income from other occupation offset policyGoogle ↗
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 (4)
Classes come from the query-classifier (a local Laya model). 4 of 4 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT4 real searches · gpt-6
individual disability insurance true own occupation income from other occupation offset W-2 consulting income Guardian MassMutual Principal Ameritas 2026 Google ↗
disability insurance policy total disability benefits earnings from other occupation not offset own occupation wording concurrent income Google ↗
Guardian ProVider Plus own occupation other occupation income offset policy contract Google ↗
MassMutual Radius Choice own occupation income from other occupation offset policy Google ↗
- What does Long Term Disability Insurance Cost · guardianlife.com
- Own Occupation Disability Insurance · guardianlife.com
- Medical Residents · ameritas.com
- Disability Income Glossary · ameritas.com
- Own-Occupation Definitions Compared Across the Top Carriers · seaworthy.io
- Disability Insurance Carriers · seaworthy.io
- 22798.pdf · standard.com
- The Standard’s IDI Product Guide · standard.com
- MassMutual Massachusetts Mutual Life Insurance C · massmutual.com
Queries
4 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
individual disability insurance true own occupation income from other occupation offset W-2 consulting income Guardian MassMutual Principal Ameritas 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
disability insurance policy total disability benefits earnings from other occupation not offset own occupation wording concurrent income OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Guardian ProVider Plus own occupation other occupation income offset policy contract OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
MassMutual Radius Choice own occupation income from other occupation offset policy OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |