Non Smoker vs Smoker Rates
Just because you use a nicotine product you may not be a "smoker".
There are many types of nicotine delivery products which make the old, Smoker versus Non Smoker, classification system an out of date way to ask the question and run quotes.
Most carriers will classify you as a "Smoker" if you have used any type of product or device containing nicotine or have vaped in the past 12 months.
But not all carriers look at it the same way and even with current nicotine use, you may qualify for much lower "non smoker" rates by going to the right carrier. Nicotine "friendly" carriers can save you a lot of money on life insurance.
If you use nicotine but have not smoked a cigarette in the past 12 months contact us to discuss your specific details for personalized quotes so you can apply with the right carrier. The key to getting the right rates is full disclosure of the type of product you use and what you tell us for your quotes is confidential and only disclosed to a carrier if you make an application.
Please do not be tricked into paying "Smoker" rates because someone doesn't know the rules or carriers to show you.
For those who have smoke cigarettes, e-cigs or vaped in the last 12 months but are trying to quit, there are "yearly renewable" life options that we can show you which may allow you to get the coverage you need at a fraction of the cost of level premium term life.
If you simply are a "lifer" or currently have no intentions to quit, we understand and you can use our term quote system to find the right smoker rates for you too.