Chewing Tobacco Life Insurance

Chewing Tobacco Life Insurance!

If you are a chewer or dipper on a daily basis it still is possible to find the best most affordable chewing tobacco life insurance rates. Over the last few years most of the top major life insurance carriers have loosened the restrictions and underwriting guidelines on alternate tobacco use. If you need coverage for your whole life not just a term periods please go to the  permanent life insurance sections and learn more about these types of policies and how they can help protect your business or family.

Alternate tobacco use in view of the carriers typically consist of the following:

  • Chewing tobacco or Chew, Snuff and Dipp 
  • Pipe Smokers 
  • Cigar Smoker or Stogies 
  • Nicorette Gum  

The carriers are still tougher on cigarette smokers but with the above mentioned tobacco habits you can usually get Non Tobacco rates and quotes with a number of the top companies. Make sure you have your insurance agent or life broker/brokerage shop every available company that they carry. There really is a huge difference, some of the carriers really want nothing to do with you if you have any kind of tobacco habit. Then some will definitely underwrite you with not problem. Below you will find a list of some or our top carriers and carriers in the nation that take a little bit more liberal view on chewing tobacco users. Please let us quote you on any of the following carriers.

Top Chewing/Chew Tobacco Life Insurance Carriers and their Tobacco Rate Classes!

  • AIG Preferred Smoker
    AXA Preferred Tobacco
    ING-Reliastar Preferred Smoker
    John Hancock Standard-Non Tobacco
    Lincoln Standard-Non
    Principal Preferred Tobacco
    Prudential Non-Smoker Plus
    Transamerica Preferred Smoker
     

For most of these carriers you must admit to chewing or that you chew on the application for life insurance, if you lie you could get denied for non-candor. You can typically test positive for nicotine with the exam urinalysis results. So don’t worry about trying to trick the insurance company they seem to find out if you lie. Just have your broke or us search the marketplace and run you some comparison term life quotes specifically for chewers. This way you get the coverage you need and yes you may pay a little more in premium but it is definitely worth the money if you have to try and collect a death claim and have to adjust the amount because you lied.

So go ahead and request your free chewing tobacco life insurance quote from us here at the lifeinsurance-pros you might be very surprised at how cheap and affordable your rates and premiums end up being.