Life Insurance for Tobacco Chewers
If you are willing to take a Medical Exam you may qualify for Non Smoker Rates!
Life Insurance for Tobacco chewers, if you have been looking for Life Insurance and you chew tobacco you may be able to qualify for Non Smoker Rates!
Most insurance carriers will place you as a Smoker. These rates , if you have looked around, can be expensive.
If you are considering quitting , know that after 12 months of no Tobacco product use ( This includes Nicotine Gum, Patches or e-cigs with nicotine) you can probably qualify for Preferred Non Tobacco rates. If you are a very light user we may be able to get you Standard Non Smoker rates.
You can run a No Exam Life Insurance ( Can be in force in 5 – 10 days!) and compare Smoking and No Smoking Rates.
If you would like a full , medically underwritten plan , which may be less but have a longer lead time to be in place, it would be best if we spoke. In order to get you a comprehensive quote , that you will qualify for , we need to gather some basic information, such as:
Date of Birth
Height and Weight
Any immediate family members, before the age of 60 , pass away from a Major Illness/Disease?
Do you have any current medical conditions?
Taking Prescription Drugs? If yes, I will need to know the name and dosage of each drug.
Any DUI convictions in the last 5 years?
How much Chewing Tobacco do you consume – Daily, Weekly use etc.
We will also need to discuss the Policy Amount and Term length.
I work with over 60 carriers and I know I can find the best fit for your situation. Call me today or fill out my Contact request form. My number is 512-963-5000.