Most life insurance carriers will offer “Smoker” or “Tobacco” rates, which can be 100% or greater than “non-tobacco” rates for those individuals who use forms of “Alternate” Tobacco) cigars, chewing tobacco, pipes or gum containing nicotine).
We have carriers who can offer “Preferred” Non-Tobacco rates for those individuals who use these “Alternate” forms of tobacco (assuming no health impairments or activities that may increase ones mortality risk).
To request an “Alternate” Tobacco Quote – Please Click Here
Individuals who use cigarettes will typically receive “Preferred” to “Standard” Smoker rates (assuming no health impairments or activities that may increase ones mortality risk).
These “Preferred” to “Standard” Smoker rates vary greatly among life insurance carriers.
We represent many of the most competitive “Smoker” rates in the life insurance industry. Rates can vary from carrier to carrier by as much as 50%.
To request a “Smoker” Tobacco Quote – Please Click Here
