Real ChatGPT answer · index seedxP0d7t6YZlYcompleteInsurance · life insurancecommercial

how do life insurance underwriting guidelines evaluate people who quit smoking five years ago

ChatGPTgpt-62 queries11/1/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
how do life insurance underwriting guidelines evaluate people who quit smoking five years ago
2 real searches · 1 real-search pass
life insurance underwriting former smoker quit five years ago nonsmoker preferred tobacco guidelines insurerGoogle ↗
OBSERVEDYes / no
life insurance tobacco use underwriting cotinine former smoker 5 years insurer guidelinesGoogle ↗
OBSERVEDConsequence

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)
Short factOther / navigationalComparisonConsequence50%ReasonDefinitionInstructionYes / no50%

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
life insurance underwriting former smoker quit five years ago nonsmoker preferred tobacco guidelines insurer Google ↗
life insurance tobacco use underwriting cotinine former smoker 5 years insurer guidelines Google ↗
  1. Underwriting criteria through age 70 · nbainc.com
  2. Smoker/Non-Smoker Guidelines · docs.crumplifeinsurance.com
  3. Traditional Underwriting | Financial Professional · securian.com
  4. LIFE INSURANCE UNDERWRITING GUIDE · a7d9021b860b18c4222a-d761a6fa6590560fc9f9e4d318d2556e.ssl.cf1.rackcdn.com
  5. LIFE INSURANCE · innovativeunderwriters.com
  6. The truth about life insurance & smoking · johnhancock.com

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
life insurance underwriting former smoker quit five years ago nonsmoker preferred tobacco guidelines insurer
OBSERVED
Google ↗
AI Mode ↗
—Yes / no——1x
of 1
life insurance tobacco use underwriting cotinine former smoker 5 years insurer guidelines
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1