Consider These Options:
Was your life insurance applicant rated for tobacco use? Don’t worry! You can offer non-tobacco rates to many current tobacco users! Take advantage:
- Prequalify your applicant for non-tobacco pricing
- Apply at the right insurer to cut premiums in half
- Get your client covered using existing exams and labs
Call us at (562) 431-4000 to prequalify your client for non-tobacco rates.
How Does it Work?
Several life insurers blend underwriting classes, enabling you to offer many of your tobacco using clients access to non-tobacco rates. To qualify, your applicants must honestly admit to their current tobacco use. You can even use the positive labs completed for another insurer.
Who Qualifies for Non-Tobacco Pricing?
Non-tobacco rates are now available for applicants who use to tobacco as follows:
- Zyn (nicotine pouch) users
- Chewers / dippers
- Daily cigar smokers
Who CANNOT Qualify for Non-Tobacco Pricing?
Non-tobacco rates are NOT available for applicants who:
- Currently vape
- Smoke cigarettes regularly
Applicants who stopped smoking or vaping become eligible for non-tobacco rates after one year of abstinence. Therefore, it makes the most sense to postpone a new application until 12 months after their date of last tobacco use.
Exceptions for OCCASIONAL Cigarette Smokers:
Occasional cigarette smokers may be offered non-tobacco rates. One top rated insurer offers super-preferred non-tobacco pricing to applicants who smoke up to 12 cigarettes per year. Preferred rates are available for applicants who smoke between 13 and 24 cigarettes per year. To qualify for these exceptions, applicants must admit to their tobacco use on the application and their labs must be negative for nicotine.
Do you have clients who only smoke cigarettes socially, perhaps on their birthday, holidays, or New Year’s Eve? Are they currently paying smoker rates? Cut their premium in half by helping them take advantage of this unique underwriting exception.
Take the Next Steps:
Tell us about your client’s tobacco use. Let’s match them with our industry’s best-priced life insurance policy. Call us at (562) 431-4000 or schedule a Zoom. Let’s get your client covered, and you paid!
