ING TermSmart 10, 15, 20, 25, 30 Tobacco Guidelines

By | November 17, 2010

ING Reliastar Term Life Insurance continues to be a top term life carrier in the nation with their TermSmart term life portfolio.  I have put together their tobacco guideline’s below for your review.  Even at tobacco rates ING could still be a very competitive option for you and your term life needs.

Tobacco Life Insurance Definitions for ING TermSmart 10,15,20,25 & 30 year term products:

Super Preferred No Tobacco: (SPNT)
A person who has not used tobacco or nicotine products in any form within the past five years, who is in excellent health and meets the criteria.

Preferred No Tobacco: (PNT)
A person who has not used tobacco or nicotine products in any form within the past three years, and who meets the criteria.

Select No Tobacco: (SeNT)
A person who has not used tobacco or nicotine products in any form within the past two years, and who meets the criteria.

Standard No Tobacco: (SNT)
A nonsmoker who does not qualify for Preferred No Tobacco and does not have a ratable impairment and has used no tobacco or nicotine products in any form within the past one year.

Preferred Tobacco: (PT)
A user of tobacco (less than two packs of cigarettes per day) or nicotine within the past three years that meets all the other criteria as a Preferred No Tobacco.

Standard Tobacco: (ST)
A tobacco user or nicotine user who does not qualify for Preferred Tobacco rates and does not have a ratable impairment.

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