Real ChatGPT answer + Gemini simulation · index seedrZmZcEqwSnscompleteAI OverviewInsurance · life insuranceinformational
How does the SGLI to VGLI conversion work for veterans with families, and is it usually cheaper to buy a private term policy instead in today's market?
ChatGPTgpt-6Geminigemini-3.5-flash-lite3 passes + 1 real-search36 queries10/30/2026
Download run
Gemini unique queries
33
3 in ≥ half the passes · stability 36%
ChatGPT real searches predicted
0%
0 of 3 matched the simulation
Fan-out diagram
Seed → topic clusters → sub-queries, per model.
SEED QUERY
How does the SGLI to VGLI conversion work for veterans with families, and is it usually cheaper to buy a private term policy instead in today's market?
33 unique queries · 3 passes
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 (3)
Classes come from the query-classifier (a local Laya model). 2 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence. 33 queries are still being classified.
What the models actually searched
Each model answered the query with its own web search. These are the searches it ran, matched to the closest simulated query.
ChatGPT3 real searches · gpt-60% predicted
2026 SGLI to VGLI conversion rules 1 year 120 days 240 days VA official VGLI premiums rates 2026 Google ↗
2026 VGLI premium rates age bands per $1000 official VA Google ↗
2026 private term life insurance average rates healthy applicants age 30 40 50 market comparison VGLI Google ↗
- Veterans’ Group Life Insurance (VGLI) · va.gov
- Apply for Veterans' Group Life Insurance (VGLI) · benefits.va.gov
- VA Benefits and Services Participant Guide v6.1 · tapevents.mil
- SGLI Online Enrollment System (SOES) · benefits.va.gov
- Family Servicemembers’ Group Life Insurance (FSGLI) · benefits.va.gov
- Converting Family Servicemembers' Group Life Insurance Coverage · benefits.va.gov
- VA Life Insurance Programs Booklet · benefits.va.gov
- Veterans’ Group Life Insurance (VGLI) · benefits.va.gov
- Veterans’ Group Life Insurance: Is VGLI Worth It? · nerdwallet.com
- Average Life Insurance Rates for 2026 · nerdwallet.com
- Compare VGLI To Other Life Insurance Options · va.gov
Semantic map
Every query placed by meaning (EmbeddingGemma 2, 256-d). Shaded regions are topics, nearby points are near-paraphrases, and a circle's size is how often the query came back.
Colour
SimulatedReal search
Hover a query to see its counterpart · click a topic to focus it · zoom with Ctrl/⌘ + scroll, a pinch, double-click or +
Queries
33 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
vgli rates by age 2024 2025 RELATED | Google ↗ AI Mode ↗ | The user wants to see current premium pricing tables for VGLI grouped by age brackets. | — | pricing_page | vgli conversion rules and rates | 2x of 3 | |
is vgli more expensive than private term life insurance COMPARATIVE | Google ↗ AI Mode ↗ | The user wants a direct cost comparison between Veterans Group Life Insurance and commercial term life policies. | — | comparison_table | vgli versus private term cost | 2x of 3 | |
can family members be covered under vgli IMPLICIT | Google ↗ AI Mode ↗ | The user wants to know if VGLI extends coverage to spouses and dependent children, or if it is strictly for the veteran. | — | faq_page | vgli conversion rules and rates | 2x of 3 | |
how to convert sgli to vgli timeline and process REFORMULATION | Google ↗ AI Mode ↗ | Understand the step-by-step process and deadlines required to convert Servicemembers' Group Life Insurance to Veterans' Group Life Insurance. | — | how_to_steps | vgli conversion rules and rates | 1x of 3 | |
sgli to vgli conversion timeline and rules REFORMULATION | Google ↗ AI Mode ↗ | Understand the exact deadlines and administrative requirements for converting SGLI to VGLI after leaving the military. | — | how_to_steps | vgli conversion rules and rates | 1x of 3 | |
sgli to vgli conversion rules and deadlines REFORMULATION | Google ↗ AI Mode ↗ | The user wants a direct explanation of the timeline and administrative steps required to convert SGLI to VGLI after leaving the military. | — | how_to_steps | vgli conversion rules and rates | 1x of 3 | |
vgli vs private term life insurance cost comparison COMPARATIVE | Google ↗ AI Mode ↗ | Compare the cost efficiency of government-backed VGLI versus commercial private term insurance for veterans. | — | comparison_table | vgli versus private term cost | 1x of 3 | |
vgli rates by age chart 2026 RELATED | Google ↗ AI Mode ↗ | Find the current premium rates for VGLI based on the insured veteran's age. | — | product_spec_sheet | vgli conversion rules and rates | 1x of 3 | |
best private term life insurance for veterans with families ENTITY EXPANSION | Google ↗ AI Mode ↗ | Identify specific private insurance companies that offer favorable rates or specialized policies for military veterans and families. | — | buyers_guide | private term insurance for veterans | 1x of 3 | |
best term life insurance for veterans family coverage ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants recommendations for specific private insurance providers or policies well-suited for veteran families. | — | review_roundup | private term insurance for veterans | 1x of 3 | |
can you get family coverage or riders on vgli IMPLICIT | Google ↗ AI Mode ↗ | Determine if VGLI supports dependent children or spouse coverage riders similar to SGLI family coverage. | — | faq_page | vgli conversion rules and rates | 1x of 3 | |
best private term life insurance for veterans ENTITY EXPANSION | Google ↗ AI Mode ↗ | Identify top-rated private life insurance companies that offer competitive term policies for former military personnel. | — | buyers_guide | private term insurance for veterans | 1x of 3 | |
veteran looking for affordable life insurance with spouse and kids PERSONALIZED | Google ↗ AI Mode ↗ | Find insurance recommendations tailored to the financial and protection needs of a veteran supporting a spouse and children. | — | web_article | private term insurance for veterans | 1x of 3 | |
veteran leaving service with young children life insurance needs PERSONALIZED | Google ↗ AI Mode ↗ | Find life insurance strategies specifically tailored to veterans transitioning to civilian life who have young dependents. | — | web_article | private term insurance for veterans | 1x of 3 | |
veteran family looking for affordable life insurance alternative to vgli PERSONALIZED | Google ↗ AI Mode ↗ | The user wants advice tailored to a veteran household seeking budget-friendly life insurance outside the military system. | — | buyers_guide | private term insurance for veterans | 1x of 3 | |
sgli coverage extension options after separation RELATED | Google ↗ AI Mode ↗ | Check if SGLI can be temporarily extended before needing to convert to VGLI or private insurance. | — | faq_page | vgli conversion rules and rates | 1x of 3 | |
vgli coverage limit maximum amount RELATED | Google ↗ AI Mode ↗ | The user wants to know the maximum dollar amount of coverage available under VGLI. | — | product_spec_sheet | vgli conversion rules and rates | 1x of 3 | |
vgli no health exam conversion window rules RELATED | Google ↗ AI Mode ↗ | Learn the health-qualification rules during the standard 120-day post-separation window for VGLI conversion. | — | glossary/definition | vgli conversion rules and rates | 1x of 3 | |
sgli family coverage fsli conversion options REFORMULATION | Google ↗ AI Mode ↗ | The user wants to understand how family SGLI (FSGLI) transitions after separation from service. | — | web_article | vgli conversion rules and rates | 1x of 3 | |
average cost of 500k 20 year term life insurance by age RELATED | Google ↗ AI Mode ↗ | Obtain baseline market rates for standard private 20-year term life insurance policies. | — | calculator/tool | vgli versus private term cost | 1x of 3 | |
vgli vs 20 year term life insurance cost analysis COMPARATIVE | Google ↗ AI Mode ↗ | Compare long-term cost projections of VGLI versus a locked-in 20-year private term policy. | — | calculator/tool | vgli versus private term cost | 1x of 3 | |
term life insurance vs vgli long term cost analysis COMPARATIVE | Google ↗ AI Mode ↗ | The user wants a long-term financial projection comparing how VGLI rates increase over decades versus level-premium private term policies. | — | calculator/tool | vgli versus private term cost | 1x of 3 | |
is vgli worth it for older veterans RELATED | Google ↗ AI Mode ↗ | Understand how VGLI rates scale exponentially with age and whether it becomes too expensive later in life. | — | review_roundup | vgli conversion rules and rates | 1x of 3 | |
does vgli require medical exam REFORMULATION | Google ↗ AI Mode ↗ | Find out if medical underwriting or a health exam is needed when converting SGLI to VGLI within the standard window. | — | glossary/definition | vgli conversion rules and rates | 1x of 3 | |
what happens if you miss the 1 year vgli conversion window IMPLICIT | Google ↗ AI Mode ↗ | The user wants to know the penalties or health underwriting requirements if they fail to convert SGLI to VGLI within the standard timeframe. | — | forum/qna | vgli conversion rules and rates | 1x of 3 | |
sgli vgli private term insurance pros and cons COMPARATIVE | Google ↗ AI Mode ↗ | Weigh the advantages and disadvantages of government group life insurance versus private market options. | — | comparison_table | vgli versus private term cost | 1x of 3 | |
average cost of 500k term life insurance for 35 year old veteran IMPLICIT | Google ↗ AI Mode ↗ | Estimate benchmark private term insurance premiums for a typical young veteran parent. | — | pricing_page | private term insurance for veterans | 1x of 3 | |
servicemembers group life insurance conversion guidelines REFORMULATION | Google ↗ AI Mode ↗ | Access official documentation and guidelines regarding SGLI conversion rights and procedures. | — | pdf_whitepaper | private term insurance for veterans | 1x of 3 | |
va life insurance options for dependent children and spouse ENTITY EXPANSION | Google ↗ AI Mode ↗ | Discover all available Department of Veterans Affairs insurance programs that cover family members. | — | web_article | private term insurance for veterans | 1x of 3 | |
private term life insurance medical exam requirements for veterans RELATED | Google ↗ AI Mode ↗ | The user wants to know if medical underwriting or health exams are required when applying for private term insurance as a veteran. | — | checklist | private term insurance for veterans | 1x of 3 | |
sgli vgli fsli definitions and terms glossary REFORMULATION | Google ↗ AI Mode ↗ | The user wants quick definitions of military life insurance acronyms and terms. | — | glossary/definition | vgli conversion rules and rates | 1x of 3 | |
military veteran term life insurance reddit recommendations REFORMULATION | Google ↗ AI Mode ↗ | Read real-world discussions and advice from other veterans regarding VGLI versus private term insurance choices. | — | forum/qna | private term insurance for veterans | 1x of 3 | |
is commercial term life insurance medically underwritten for veterans RELATED | Google ↗ AI Mode ↗ | Understand how private insurers evaluate military health histories and service-connected disabilities. | — | forum/qna | private term insurance for veterans | 1x of 3 |
Passes
Does another pass still surface new queries? A flattening curve means the fan-out has stabilised.
Geminix = pass, y = cumulative unique queries
| Model | Pass | Target | Generated | Seconds | Tokens (in / out) | Notes |
|---|---|---|---|---|---|---|
| gemini-3.5-flash-lite | 1 | 12 | 12 | — | 943 / 1,631 | |
| gemini-3.5-flash-lite | 2 | 12 | 12 | — | 943 / 1,596 | |
| gemini-3.5-flash-lite | 3 | 12 | 12 | — | 943 / 1,530 |