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
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