You won't have know the major life insurance carriers over the past few years have eased the underwriting restrictions quite a lot on insureds who use alternate tobacco. What they have realized is that other products that contain nicotine such as chew, snuff, pipes and cigars truly do not have the same mortality effect as cigarettes.
Chewers are now able to make an application for and get coverage from top rated carriers at rates that are not even considered tobacco rates. Your premiums may end up being much less than what a smoker rate class would have cost.
The best tobacco life insurance carriers are mentioned below with there respective rate classes
* AIG may offer at this time Preferred Smoker
AXA may offer at this time Preferred Tobacco
ING-Reliastar may offer at this time Preferred Smoker
* John Hancock may offer at this time Standard-Non Tobacco
The best approach when a chewer or alternate tobacco user is looking for quality affordable and in a few cases cheap term life insurance coverage is to either contact your agent or log on and do a search. If you use a local agent confirm they have access to a multi carrier brokerage general agency. These sorts of agencies are sometimes fresh with all the firms offerings and can help lead you to the best company. Some of the career or captive agencies often are extremely stern per there tobacco classes and it isn't important what form you will get penalized with higher rates.
If you don't disclose your tobacco use the carrier could reject your application.
Related Sites and Articles:
Smokers Life Insurance
Smokers Life Insurance Policie
Posted by chrispaul1972
at 6:40 PM EDT
