Many of you may regularly enjoy a cigar, pinch of smokeless tobacco or even a relaxing puff on a pipe. Many insurers will only offer these individuals “smoker” rates, but we have carriers, they still can qualify for NON-Smoker Rates with depending on their individual circumstances! These non-smoker rates usually apply to someone in good health and who has not been a cigarette smoker for at least 12 months. Unfortunately some of us find out the hard way that when we apply for Life Insurance the fact that we have a celebratory cigar now and again might cause our Life Insurance Rates to be 2-3 times more expensive because we are now being considered at a smoker rate.
Non-Smoker Life Insurance Rates for those who use a form of tabbaco other than cigarettes.
January 14, 2008 by AppFarmer
