Even if you are a Chewer you still can obtain quality life insurance that is affordable
Life insurance coverage for chewers!
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. What they have realized is that other products that contain nicotine such as chew, snuff, pipes and cigars truly do not have the same mortality effect as cigarettes.
What this means to you is that it is possible to find truly affordable life insurance coverage for chewers, Term and or Permanent Life Insurance coverage that wont break the bank. Non Tobacco rate classes can be obtained now from some of the best carriers which will save you a great deal on premiums. This can be a huge savings in premiums compared to a smoker rate class.
Some of the top companies that offer these types of plans and their rate classes at this time:
- 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
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. Whether you use an online agency or your hometown agen check to see if they have access to a number of the top rated alternate tobacco companies. These types of agencies are usually up to date with all the companies offerings and can help guide you to the best company. Be careful if your agent is what they call a captive agent meaning they typicall only represent one carrier you will be stuck with there tobacco guidelines.
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. This is a niche that they have carved out in the marketplace and it has worked very well for them over the past few years. It may be well worth your time to get a quote from them.
Tell the truth on your application that you are a chewer or alternate tobacco user they will find out anyway from your exam. If you don’t disclose your tobacco use the carrier could reject your application.
Tags: cheap health insurance