LIFE INSURANCE FOR SMOKERS

Revised standards on cigar, e-cigarette, chew, and marijuana users are lowering the price
on life insurance policies. Don’t compromise your financial future - we can fine tune a
new or existing policy to make sure you’re getting the best rates available to you today.

New Guidelines Mean Non-Smoker Rates for Smokers

NON-SMOKER RATES

Can get non-smoker rates with admission on the application, even with a positive urine test.

RECREATIONAL UNDERWRITING

Recreational marijuana use may now qualify for preferred non-smoker rates.

MEDICINAL UNDERWRITING

Carriers will base their offer on the underlying impairment and method of use (varies by carrier). 
Marijuana Prescription

Card is required.

USE AND METHOD

Rates will vary by amount of marijuana use and method of

use (varies by carrier).

NON-SMOKER RATES
Can get non-smoker rates, even with positive sample with admission (Chew/Vape).

 

TOBACCO USE
Occasional cigar use (up to 24 a year) will be considered a non-smoker (varies by carrier).

NON-SMOKER RATES
John Hancock will offer non-smoker rates upfront to clients who quit smoking
within the first 3 years of the policy (varies by
product).

 

HELP QUITTING

Can use the Vitality program to help quit
smoking – plus you get Vitality points for trying.

Contact us to learn more about
Life Insurance coverage for smokers

CALL US

Tel: (323) 299-2858

EMAIL US
OPENING HOURS

Mon - Fri: 9am - 7pm

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OVER 10 YEARS EXPERIENCE

Our staff is fully licensed and trained to answer all your insurance questions.

* Restrictions apply

OUR SERVICES

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VISIT US

272 S Rampart Blvd Unit A

Los Angeles, CA 90057

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© 2019 by Univision Insurance Services, LLC

California DOI License#: 0K77310

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