You might not have know the major life insurance carriers during the last few years have eased the underwriting limitations quite a lot on insureds who use alternate tobacco. The carriers have decided that cigarettes have a much higher effect on your mortality over chew, cigars or pipes.
What this means to you is that it is possible to find actually reasonable Chewers life assurance, Term and or Permanent life assurance coverage that wont break the bank. Non Tobacco rate classes can be obtained now from some of the finest carriers which will save everyone a great deal on premiums. Your premiums may end up being a lot less than what a smoker rate class would have cost.
Some of the best chewing tobacco life insurance carriers:
* 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
* Lincoln may offer at this time Standard-Non
* Principal may offer at this time Preferred Tobacco
* Prudential may offer at this time Non-Smoker plus
* Transamerica may offer at this time Preferred Smoker
The rate classes mentioned above can change very frequently
the best way when a chewer or alternate tobacco user is looking for quality affordable and in some cases cheap term life insurance coverage is to either contact your agent or go surfing and do a search. If you use a local agent make sure they have access to a multi carrier brokerage general agency. These sorts of agencies are often up to date with all of the companies offerings and can help lead you to the best company. Take care if your agent is what they call a captive agent meaning they typicall only represent one carrier you'll be stuck with there tobacco guidelines.
One of the finest Term life assurance companies that offers great tobacco rates is Prudential they happen to be one of our favorite carriers when in regards to getting cheap coverage. They've been awfully aggressive over the last few years and offering terrific rates and premiums for their insured's. It may be easily worth your time to get a quote from them.
Don't lie on your application the company will discover if you use tobacco from a pee sample they get from your paramedical exam. If you don't disclose your tobacco use the carrier could reject your application.
Find out more and get great information on Term Life Insurance policies and plans at these recommended resources:
Get cheap Chewing Tobacco rates and Quotes
Monday, August 31, 2009
Saturday, August 15, 2009
Smoking and Life Insurance Rates and Plans
If you are looking for smoker life insurance plan or policy don't be discouraged because affordable term life policies are still within your grasp if you know who to talk with. Life Insurance actuaries could rate up the premium by 50% if you are a smoker or tobacco user in some respect.
Smoker Life Insurance Quotes
If you can save money on your life insurance premiums even if you smoke isn't that worth the time reading our story.
The life insurance underwriters will want to know that you have not used any tobacco for over one year for you to get the Non Tobacco rates. By quitting your smoking habit for over two or three years it's possible to qualify for the best or close to best rates. Quitting for five years or more will allow you to obtain the top rates available.
No cigarettes or tobacco 5 years or more: Possible Best Quote
No tobacco of any kind 3 plus years equals: Possible Preferred Quote
What this means to you is simply how much you are going to pay for your life insurance premiums, plain and simple. But if you cannot quit smoking then you have to pay a higher policy premium, no getting around it. If you don't quit smoking you're rates will be higher and that's the end of the story. Ask yourself if the smoking is worth it while you are paying higher premiums. My goal is not to deride you for smoking, I in fact chew tobacco on occasion so don't get defensive here. All I want to happen here is for you to be able to get the best and lowest cost life insurance, period.
On a positive note you should realize that term life insurance prices are at their lowest levels in years due to mortality tables of people living longer and modern medicine.
One of the first steps you should really do is go speak to a really experienced Life Insurance professional. You need to make sure they can represent multiple carriers! If they are not appointed with at least ten companies ask them why and make sure the answer is really good. Ask them if they work with a BGA (Brokerage General Agency) that has a multi-carrier platform. Now your agent might look at you kind of weird at this point and they will definitely know you have done your homework. Have a couple of good life agents give you a number of different quotes!
When it comes to Term Life Insurance premiums a lot of the time how much does it cost you will drive the decision on the carrier you choose.You should purchase the most you can absolutely pay for and really now stop the smoking
Find out more about Chewers Life Insurance policies.
Chewers and Smokers Life Insurance
Smoker Life Insurance Quotes
If you can save money on your life insurance premiums even if you smoke isn't that worth the time reading our story.
The life insurance underwriters will want to know that you have not used any tobacco for over one year for you to get the Non Tobacco rates. By quitting your smoking habit for over two or three years it's possible to qualify for the best or close to best rates. Quitting for five years or more will allow you to obtain the top rates available.
No cigarettes or tobacco 5 years or more: Possible Best Quote
No tobacco of any kind 3 plus years equals: Possible Preferred Quote
What this means to you is simply how much you are going to pay for your life insurance premiums, plain and simple. But if you cannot quit smoking then you have to pay a higher policy premium, no getting around it. If you don't quit smoking you're rates will be higher and that's the end of the story. Ask yourself if the smoking is worth it while you are paying higher premiums. My goal is not to deride you for smoking, I in fact chew tobacco on occasion so don't get defensive here. All I want to happen here is for you to be able to get the best and lowest cost life insurance, period.
On a positive note you should realize that term life insurance prices are at their lowest levels in years due to mortality tables of people living longer and modern medicine.
One of the first steps you should really do is go speak to a really experienced Life Insurance professional. You need to make sure they can represent multiple carriers! If they are not appointed with at least ten companies ask them why and make sure the answer is really good. Ask them if they work with a BGA (Brokerage General Agency) that has a multi-carrier platform. Now your agent might look at you kind of weird at this point and they will definitely know you have done your homework. Have a couple of good life agents give you a number of different quotes!
When it comes to Term Life Insurance premiums a lot of the time how much does it cost you will drive the decision on the carrier you choose.You should purchase the most you can absolutely pay for and really now stop the smoking
Find out more about Chewers Life Insurance policies.
Chewers and Smokers Life Insurance
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