Those who have been smokers for long would often find it tough to find the right insurance carrier. Life insurance for cigar smokers continues to be expensive and inflexible! This is because of the fact that the insurance premium rates for tobacco users is emphatically double or even triple the usual rates. The multitude alternatives available with the innumerous life insurance carriers in the market today further adds oil to this fire.
Amidst such a scenario, the situation of the occasional tobacco smokers is even more challenging. Very often the occasional tobacco users are graded under the category of tobacco users and are generally forced to pay the pricey premiums equivalent to that of daily or chronic tobacco users.
While the insurance ratings from Banner’s Life insurance are not at all flexible for these occasional tobacco users, American General Ratings to get into the ‘Preferred Plus’ category has proven to be relatively flexible. Other popular trailblazers in this arena of insurance providers for the non cigarette tobacco category are Genworth, ING-Reliastar, Metlife, TransAmerica, Western Reserve Life and American General. Be it any of these popular carriers, even with underwriting, it becomes mandatory for the insured to test negative for nicotine in the urine analysis test.
The panacea for such problems has proven to be the non tobacco ratings for tobacco users from PRUDENTIAL. It offers outstanding life insurance for cigar smokers. Based in San Diego, CA, this insurance carrier not only allows unlimited smoking of cigars, chew and pipe smoking, the most interesting aspect of this offer is the flexibility of testing positive for nicotine.
Though the premiums of Prudential for non tobacco users is slightly more than the premium paid by the Preferred plus category in case of other insurance providers, it is way better to opt for the Prudential’s non tobacco ratings than being forced to pay the premium of tobacco users with other insurance providers in the market!
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