Tobacco Underwriting Exceptions
- ZYN users? Non-tobacco rates are now possible.
- Positive nicotine labs? Still eligible.
- Daily cigars, dip, chew? We’ve got carrier workarounds.
- One carrier even allows occasional cigarette use.
- We quote fast, match smart, get your clients covered, and you paid.
ZYN Users Qualify for Non-Tobacco Rates
Life insurance applicants who use ZYN pouches, smoke cigars daily, chew or dip tobacco – even those with a positive lab specimen – now qualify for non-tobacco life insurance rates. This cuts their premium in half! One highly rated insurer even offers non-tobacco rates to occasional cigarette smokers!
Yes, It’s Complicated!
We are here to sort through the options for you. Call us at (562) 431-4000, provide details via secure email, or request a quote online. We’ll quickly match your applicant to the insurer(s) with the most suitable solution. In the meantime, scan the table below for options life insurance applicants have today. Which of your clients now qualify for one of the exceptions?
Tobacco Use Pattern
Best Class
Notes
Quit Cigarettes 12+ Months Ago
Preferred non-tobacco
No need to wait 2 – 5 years
1 – 12 Cigarettes per year
Super preferred non-tobacco
Must admit tobacco use; specimen must be negative for nicotine (cotinine)
13 – 24 Cigarettes per year
Preferred non-tobacco
Must admit tobacco use; specimen must be negative for nicotine (cotinine)
Cigar, pipe, chewing, dipping, snuff
Non-smoker plus
Must admit tobacco use; specimen can be positive for nicotine (cotinine)
E-Cigarette
Non-tobacco plus
Negative thiocyanate marker; no cigars or cigarettes past 10 years
Nicotine patch, gum
Non-tobacco plus
Must admit tobacco use; specimen can be positive for nicotine (cotinine)
Vapers
Non-tobacco plus
Negative thiocyanate marker; no cigars or cigarettes past 10 years
ZYN pouch users
Non-tobacco plus
Must admit ZYN pouch use; specimen can be positive for nicotine (cotinine)
