Use of Tobacco Products
Did you know that there is difference between Cigar smokers, Cigarette smokers
and Chewers? They represent varying degrees of health risks and some term life
insurance carriers will acknowledge the difference which will be reflected in
the underwriting class you ultimately qualify. Some tobacco users can qualify
for Preferred Non Smoker rates! This means you can save and get more coverage
for your term life insurance dollar.
In order for us to get you the best coverage for your situations we need to know
what your level of involvement is in using tobacco products. We can sometimes
obtain more favorable rates then you may think.
If you have an impaired risk or special situation, we encourage you to complete
the appropriate impaired risk form. When granted the privilege to work for you;
we will look at the bigger picture and provide creative solutions in easy to
understand language.
We look forward to assisting you. To start you online quote now simply fill
out the form in the top right corner of this page, and a licensed advisor
will contact you to answer any questions & help apply for a policy for your
unique situation.