Viewer comment - 11/5/2002 - From Minnesota...
Simple to navigate, excellent information and advise - extremely helpful...

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Life Insurance for Cigarette, Cigar, Pipe Smokers and Smokeless Chewers

The Bad News...

In prior years, insurance companies built some flexibility into their non-smoker and smoker categories. The term "smoker" used to denote those persons who smoked cigarettes only. This meant, in some cases, a cigar smoker or tobacco chewer could qualify for a non-smoker rate. Most carriers have moved away from this thinking and categorize any tobacco user as a smoker.

The Good News...

Article continues directly below the quote screen...

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There are a couple of companies who still offer Preferred non-smoker rates to those "alternate" users. "Alternate" user are those that use tobacco, but don't smoke cigarettes. Pipe and cigar smokers fit into this category, as well as those that chew tobacco. Prudential is especially strong in this area. When you get a quote, be sure to use the Health Analyzer and put in your tobacco preference. Prudential is usually comes out significantly less than everyone else.

If you quit smoking cigarettes more than a year ago, you can qualify as a Preferred non-smoker with some companies. If you currently own a policy that was bought when you smoked cigarettes, be sure to get a new quote. Chances are it will be less expensive.

A note of caution:

Many companies are becoming particularly aggressive in their mortality assumptions for their non-tobacco non-nicotine rate classes.

Any misrepresentation of the tobacco/nicotine use question on the application can trigger a strong response from any of the companies. This can include an attempt to rescind the policy or, if a claim is made within the contestable period, declination of benefits. Occasional cigar smokers need to be aware of this.

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Your Resident State:	AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDist. ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNY Non-BusNY Business North CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming
Face Amount:	$25,000$50,000$75,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$750,000$800,000$900,000$1,000,000$1,250,000$1,500,000$1,750,000$2,000,000$2,500,000$3,000,000$5,000,000
Policy Rate Guarantee:	All Available Rate Guarantees 10-Year Only 15-Year Only 20-Year Only 25-Year Only 30-Year Only Guaranteed Premium To Age 100 15-Year with Return of Premium 20-Year with Return of Premium 30-Year with Return of Premium
Sex:	Male  Female
Do You Use Tobacco:	Yes  No
Health: Not Sure?	Standard Standard Plus Preferred Preferred Plus (Super Preferred)
Your Birthdate:	JanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember 12345678910111213141516171819202122232425262728293031 1910191119121913191419151916191719181919192019211922192319241925192619271928192919301931193219331934193519361937193819391940194119421943194419451946194719481949195019511952195319541955195619571958195919601961196219631964196519661967196819691970197119721973197419751976197719781979198019811982198319841985
Premium Mode:	Annual  Monthly
First Name:
Last Name:
Email:
Daytime Phone:

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