How do underwriters evaluate nicotine use versus tobacco use in cigar aficionados when determining smoker life insurance rates for a million-dollar term policy?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do underwriters evaluate nicotine use versus tobacco use in cigar aficionados when determining smoker life insurance rates for a million-dollar term policy?
2 real searches · 1 real-search pass
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.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
life insurance underwriting cigar use occasional cigar nicotine tobacco smoker rates cotinine underwriting guidelines Google ↗
life insurance application cigar smoker classification occasional cigar use preferred non tobacco underwriting carrier guidelines Google ↗
- The truth about life insurance & smoking · johnhancock.com
- Why Do Life Insurance Companies Test for Nicotine · ethos.com
- Underwriting Guidelines · pinneyinsurance.com
- Smoker/Non-Smoker Guidelines · docs.crumplifeinsurance.com
- Underwriting Class Criteria · a7d9021b860b18c4222a-d761a6fa6590560fc9f9e4d318d2556e.ssl.cf1.rackcdn.com
- Life Insurance · parrysteinborn.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
life insurance underwriting cigar use occasional cigar nicotine tobacco smoker rates cotinine underwriting guidelines OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
life insurance application cigar smoker classification occasional cigar use preferred non tobacco underwriting carrier guidelines OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |