Insurance Rates for Tobacco Users:
How Do I Answer The
"Tobacco Use" Question?
You've probably heard the phrase – "Once a smoker always a smoker." If you've smoked for any length of time, then you know how true that statement can be for some of us. We specialize in trying to help smokers obtain the most competitive smoker life insurance by knowing the rules and definitions of all the life insurance companies that offer policies for smokers.
When attempting to get smoker insurance, tobacco use can usually be accurately determined through an insurance exam (visit our tips for medical examinations), which includes a urine specimen, so be sure to answer the tobacco use questions accurately. Although cigarette smokers almost always pay higher rates than non-smokers, occasional cigarette smokers can sometimes obtain "non-smoker" smoker life insurance rates. As a result there are actually great opportunities for lower insurance rates for tobacco users.
Additionally, "other tobacco users" (pipe, cigar, chewing tobacco, dip, snuff, nicotine patches and nicotine gum) are almost always looked at more favorably than heavy or moderate cigarette smokers. If you use tobacco only in this way, you have a good chance to markedly reduce your smoker life insurance rates.
While we in no way promote smoking, we understand the difficulty of trying to break the habit and are willing to help you obtain good smoker insurance through our extensive knowledge of the insurance market place. Please answer the tobacco use questions as accurately as possible so we can have the ammunition to help you find the insurance company with the most competitive rates for your situation.
