Sentences with phrase «nonsmoker rates»
"Nonsmoker rates" refers to lower insurance premiums or costs offered to individuals who do not smoke cigarettes or use tobacco products. In other words, it is a term used to describe discounted prices provided to people who are not smokers. Full definition
We have found in the past that it is a possibility to also get nonsmoker rates if you smoke cigars occasionally.
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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.
The ratings above are all based on nonsmoker rates.
Life Insurance for Cigar Smokers: This article will tell you how you can earn a preferred nonsmoker rating, even if you enjoy the occasional cigar.
If you smoke marijuana occasionally, admit it on your application and do not test positive for nicotine — you can still get nonsmoker rates.
Some smokers are eligible for nonsmoker rates and some people who consider -LSB-...]
No — smokeless tobacco users can get nonsmoker rates!
Social smokers can get nonsmoker rates, but you must use the right life insurance company.
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!
If you meet these guidelines, it is possible to get nonsmoker rates and save yourself a lot of money, but only if you apply with a certain life insurance company.
You should always use an independent agent who knows how life insurers treat marijuana and which ones may offer a nonsmoker rate to a MJ user.
If you die, and your life insurance premium was based on the nonsmoker rate, and you later began smoking, your death benefit will not be jeopardized.
Once you have had the policy for a year and been smoke free for a year you can request a reconsideration for nonsmoker rates.