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Life Insurance Rates for Cigar, Pipe & Chewing Tabaco
If you are one of the millions of Americans who use alternative forms of tobacco, it is still possible to receive great rates on life insurance. Life insurance rates for pipe, cigar, chewing tobacco, nicotine gum and e-cigarettes are finally getting much cheaper!
Many life insurance companies will always consider you a cigarette smoker when you use any form of nicotine. Most smokers realize the rates for life insurance for cigarette smokers are much higher than rates for non-smokers. In fact, most cigarette smokers will pay over 50% more for life insurance.
What if you do not smoke cigarettes at all but, still use an alternative form of tobacco?
Non-Smoker Rates for Alternative Tobacco
Can you get a non-smoker rate when using alternative forms of tobacco?
Normally, just the mention of chewing tobacco and life insurance would make underwriters assess a higher costing “smoker rate’ to chewers. Life insurance rates for cigar smoker and pipe smokers were also unfairly classified with a much higher smoker rate as well.
If you only smoke an occasional cigar or pipe, you are fortunate because a few carriers will allow you to obtain a non-smoker rate class. This means cigar and pipe smokers, as well as chewing tobacco users can get much cheaper rate for life insurance.
There are a few niche life insurance companies that allow chewing tobacco, cigars, pipe smoking, nicotine gum and e-cigarettes as a non-smoking life insurance underwriting category.
This is great news for those who are more conservative with their nicotine use!
Since, only a few life insurance carriers distinguish between cigarettes and other forms of tobacco, utilizing the right insurance company is vital to obtaining the cheapest rates on life insurance for pipe smokers, cigar smokers, and chewers.
The premium savings for life insurance on cigar smokers, pipe smokers, and chewing tobacco users can be significant, and often result cost reductions of over 50% compared to smoker rates.
The best insurance company to use for alternative tobacco users will ultimately depend on both the frequency of use and the type of tobacco and your overall medical history.
Hopefully, you now realize that you should not be penalized with higher rates just because you enjoy a little tobacco!
Is very important to disclose your alternative tobacco use with both your agent and the medical examiner. You should also clarify that you are not a cigarette smoker. Since, a urine sample showing positive for any nicotine will unfairly be classified as a smoker rate.
Fortunately, Gold Coast Life Insurance knows the different tobacco criteria, and can match you to the appropriate company.