We have found in the past that it is a possibility to also
get nonsmoker rates if you smoke cigars occasionally.
If you smoke a cigar a couple times a year at a wedding or once a month on a golf course — you can still
get nonsmoker rates!
Social smokers can
get nonsmoker rates, but you must use the right life insurance company.
If you smoke marijuana occasionally, admit it on your application and do not test positive for nicotine — you can still
get nonsmoker rates.
No — smokeless tobacco users can
get nonsmoker rates!
Not exact matches
In one lung cancer study, the most telling observation was that for those
getting screened regularly, the
rate of cancer detection was almost the same in smokers as it was in
nonsmokers — even though we know that smokers face about a 20-fold increased risk of dying from lung cancer.
If you
get life insurance while you're a smoker and at some point quit smoking, you can request a requalification for
nonsmoker rates after you've been tobacco - free for at least 12 months.
Rates for tobacco users is substantially higher than any
nonsmoker, so
getting covered before you ever start smoking is a very good idea.
AIG also has some of the best underwriting in 2016 for sleep apnea, type I and II diabetes, including insulin diabetes, cigar users up to 52 a year and still
get best
rate class
nonsmoker, even low blood pressure.