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
Can get non-smoker rates with admission on the application, even with a positive urine test.
Recreational marijuana use may now qualify for preferred non-smoker rates.
Carriers will base their offer on the underlying impairment and method of use (varies by carrier).
Card is required.
USE AND METHOD
Rates will vary by amount of marijuana use and method of
use (varies by carrier).
Can get non-smoker rates, even with positive sample with admission (Chew/Vape).
Occasional cigar use (up to 24 a year) will be considered a non-smoker (varies by carrier).
John Hancock will offer non-smoker rates upfront to clients who quit smoking
within the first 3 years of the policy (varies by
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