Did you know that the largest life carriers have made it more affordable in some instances to buy life insurance if you use alternate tobacco. The carriers have decided that cigarettes have a much higher effect on your mortality over chew, cigars or pipes.

Chewing tobacco life insurance

What this means to you is that it is possible to find truly affordable Chewing Tobacco Life Insurance, Term and or Permanent Life Insurance coverage that wont break the bank. Chewing is not as bad as smoking with a number of the best life insurance companies and you may qualify for non tobacco premiums. The premiums for chewers can be quite a bit less than smoker rates if your carrier will go non smoker for chewers.

If you are a smoker or chewer you should contact your local life broker/agent or go on-line and do a search for a professional. Get in contact with a life insurance brokerage that is a multi-carrier agency which represents 10 plus of the largest life insurance carriers with good tobacco rates. The great thing about brokerage agencies is that they have up to minute access to the carriers that offer the best quote and rates. If your agent is a captive agent make sure you ask them to show your case to multiple carriers so you have the best chance at the best rates.

Smokers Life Insurance Rates

Most company underwriting guidelines want to see that you have not used any form of tobacco for one year in order for you to get Non Tobacco premiums.  That would typically be a Standard or Standard Plus Non Tobacco rating.  If you have quit for two years up to three years then you may qualify for Preferred Rates. For 5 years no smoking you could actually get yourself qualified for the very best rates if your overall health will qualify you.You still need to be in overall good health and qualify per the underwriting guide to get Preferred rates and premiums.

What this means to you is simply how much you are going to pay for your life insurance premiums, plain and simple.  Now if you still smoke well then you will simply have to qualify as a Smoker. If you don’t quit smoking you’re rates will be higher and that’s the end of the story.  Ask yourself if the smoking is worth it while you are paying higher premiums.I’m am not judging anyone because I do chew tobacco on rare golf outings or fishing and I smoked cigarettes in the past also, so I know how expensive the cost can be.  I want you to be able to find quality low cost insurance to protect you and your family or business.

How to find the best Tobacco Term Life Insurance plans

So here is what you do, find a good Life Broker or Agent. Ask and insist that they have at there disposal at least ten or more of the top carriers!  If they are not appointed with at least ten companies ask them why and make sure the answer is really good. Talk to your agent or broker and see if they work with a Brokerage Agency or BGA and have access to multiple carriers. It’s possible to get some weird vibes from your broker now because they know now you know what your talking about. Have a couple of good life agents give you a number of different quotes!