Life Insurance for people who chew or use snuff!
You might not have know that the major life insurance carriers over the past few years have eased the underwriting restrictions quite a bit on insureds who use alternate tobacco. The carriers have decided that cigarettes have a much higher effect on your mortality over chew, cigars or pipes.
What this means to you is that it is possible to find truly affordable Chewers Life Insurance, Term and or Permanent Life Insurance coverage that wont break the bank. Alternate tobacco users like chewers, pipe smokers can now find insurance plans from carriers at non tobacco rate classes. Savings can be tremendous if you can obtain a non tobacco rate class.
There are currently a few top rated life insurance carriers that offer great tobacco rates see below
- AIG may offer at this time Preferred Smoker
- AXA may offer at this time Preferred Tobacco
- ING-Reliastar may offer at this time Preferred Smoker
- John Hancock may offer at this time Standard-Non Tobacco
- Lincoln may offer at this time Standard-Non
- Principal may offer at this time Preferred Tobacco
- Prudential may offer at this time Non-Smoker Plus
- Transamerica may offer at this time Preferred Smoker
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Of course these rate classes are subject to change at any time so please check with your agent or broker for the most up to date rates and quotes.
The best approach when a chewer or alternate tobacco user is looking for quality affordable and in some cases cheap term life insurance coverage is to either contact your agent or go online and do a search. Call a brokerage agency that has access to at least ten or more top life insurance carriers that are tobacco friendly. The great thing about brokerage agencies is that they have up to minute access to the carriers that offer the best quote and rates. Career Agents mostly represent only one company and they are typically much more expensive with there tobacco rate classes.
One of the best Term Life Insurance Companies that offers great tobacco rates is Prudential they happen to be one of our favorite carriers when in regards to getting affordable coverage. Over the past few years they have been at the fore front of offering awesome rates for chewers and pipe smokers. It may be well worth your time to get a quote from them.
Remember be candid and upfront when applying for the coverage, if you try to lie the company will most likely find out from a urine sample they take during your paramed exam. Also the company could flat out reject your application if these choose for non candor.