How do actuaries currently adjust life insurance rates for applicants who successfully quit smoking cigarettes more than three years ago using nicotine replacement therapy?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do actuaries currently adjust life insurance rates for applicants who successfully quit smoking cigarettes more than three years ago using nicotine replacement therapy?
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
2026 life insurance underwriting nicotine replacement therapy NRT former smoker rates tobacco-free classification insurer guidelines Google ↗
life insurance underwriting nicotine replacement therapy former smoker cotinine nonsmoker classification underwriting guidelines Google ↗
- RiseTerm · bannerlife.com
- Traditional Underwriting | Financial Professional · securian.com
- Underwriting Guide | Life Products · piclife.com
- Smoker/Nonsmoker Guidelines · resourcebrokerage.com
- LIFE UNDERWRITING HANDBOOK · pinneyinsurance.com
- Life Insurance for Smokers and Tobacco Users + Current Rates · nerdwallet.com
- The truth about life insurance & smoking · johnhancock.com
- 1 · life.pacificlife.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 life insurance underwriting nicotine replacement therapy NRT former smoker rates tobacco-free classification insurer guidelines OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
life insurance underwriting nicotine replacement therapy former smoker cotinine nonsmoker classification underwriting guidelines OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |