Chewing Tobacco Life Insurance - What you should know in order to get the best life insurance rate.
Tobacco Chewers Life Insurance Quote
Do you chew tobacco? Non-tobacco life insurance rates are available if you get to the right life insurance companies. You can even chew at your paramed exam if you want to!
Life Insurance for Tobacco Chewers - Did you know that non-tobacco rates are available with a number of our life insurance companies.
Why pay a tobacco rate for life insurance if you chew tobacco when there are life insurance companies that will willingly give you non-tobacco life insurance rates. Each life insurance company is different with their underwriting guidelines about tobacco. Some life insurance companies will consider you to be a tobacco user, while a few will give you a non-tobacco rate for your term life insurance. We even have a life insurance company that may offer non-smoker rates to marijuana smokers.
Am I cheating to get a non-tobacco life insurance rate if I chew tobacco?
ABSOLUTELY NOT!
Some life insurance companies just don't care if you use chewing tobacco. We maintain the guidelines for many life insurance companies and know how each life insurance company will treat you. Some life insurance companies will only give you their non-tobacco rate if your urine specimen is negative for nicotine while other life insurance companies could care less if you were chewing tobacco during your paramed exam!
We Know the Rules!
It's not a secret. We know life insurance underwriting guideines better than anyone. We'll tell you which life insurance companies will give you the best non-tobacco rate based on your tobacco chewing use. We'll tell you which term life insurance companies will require a negative urine specimen in order to qualify for the non-tobacco life insurance rate, and which life insurance companies don't care about positive nicotine urine samples.
We give you this information BEFORE you apply for life insurance!
That's right. We are going to go over the underwriting rules before you apply so you don't waste your time with the wrong life insurance companies!
Does My Urine Sample have to be Negative? (Only if you want to torture yourself with nicotine withdrawal symptoms....Actually, some life insurance companies want a negative urine specimen while other life insurance companies do not care)
Tobacco Chewers Life Insurance Quote - We work for you, not the life insurance companies...There is never any pressure or obligation with our service.
Recent Example (keep in mind that rates change all the time..call us for current rates)
Male - age 35 - preferred best health, wants $500,000 - 20 year term. The best non-tobacco rate in the country is $245 per year. If you chew tobacco, you wouldn't get this rate, but it may be possible to get a $515 per year rate. Compare that to the most competitive tobacco user rate at $865 per year!
How Do We Get You the Best life insurance rates?
We maintain a database of competitive life insurance rates and underwriting guidelines.
How Long Does Nicotine take to leave my Blood or Urine sample?
Generally speaking, nicotine leaves your system in about 72+/- hours.......but that's not what the life insurance companies are testing you for anyway. What life insurance companies are looking for is cotinine. Cotinine shows up in your urine sample for much longer than nicotine. What you really need to know is that there are life insurance companies that will offer you non-tobacco rates as long as your urine sample for your life insurance exam is negative for cotinine...while every person is different, cotinine will leave your system in about 5-7 days. We'll show you which life insurance company is best for you based on your individual health information. Let us help you get the life insurance you need.
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Tobacco Chewers Life Insurance Quote
If You have health issues, it is important that we know about those health issues in order to provide you with the most accurate term life insurance quotes possible. You will find more information here about health issues such as:
Alcohol Related, Angioplasty, Asthma, Bipolar, Blood Pressure, Build, Cancer, Crohn's, Depression, Diabetes, Family History, Heart Disease, Hepatitis, Liver Enzymes, Melanoma, Sleep Apnea, Tobacco Use, Ulcerative Colitis, and many more Impaired Risk Life Insurance topics.
