If you are a smoker or tobacco user, you likely already know that life insurance companies charge a higher than normal premium as a result. In many cases, smoker life insurance can cost up to twice as much as the same policy for a nonsmoker.
Most people don’t know that there are a few niche insurance companies that specialize in life insurance for smokers and other tobacco users.
That’s right, if you need life insurance and you use cigars, a pipe, chewing tobacco or nicotine other than cigarettes (patch, gum, etc.), there are some insurance companies that will give you a Non-Smoker or Non-Tobacco rate!!
There’s even a company right now that will offer an occasional cigarette smoker a non-tobacco rate as long as no more than 24 cigarettes are used in a year and no nicotine shows up in the lab results from your insurance exam.
The good thing for you is that if you stop smoking and using any nicotine based products for 12 consecutive months, you could qualify for a non-smoker rate which would save you a LOT of money!
Life insurance is a competitive marketplace, but most online insurance sites are not offering the best smoker or tobacco life insurance rates available now, from companies like Ohio National Life, Cincinnati Life, Columbus Life and Penn Mutual. WE ARE!!!! So make a quote request to get the best life insurance rates in the country.
You can get instant quotes using the quoting form on the right hand side of this page to see just some of the life insurance companies we can offer you.
So how does a tobacco user ensure they’re receiving the best life insurance rates? Simple – fill out the quote request form below and we will email you with information and best rates for you or simply call us toll free at 1-800-380-3533 or click here to email us.
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