Sentences with phrase «smoker life insurance rate classes»

For you tobacco smokers there are three basic smoker life insurance rate classes: preferred tobacco, standard tobacco, and table rated tobacco.

Not exact matches

We will use annual rates for a 30 - year - old male tobacco user (cigarette smoker) in good health with a 20 - year Term life insurance plan design and a $ 500,000 face amount with a rate class of «Standard Tobacco».

Since all U.S. life insurance companies require that you quit smoking for a full year before you can get non smoker ratings, we recommend you take out a policy to cover your needs now, and then if you can quit for 12 consecutive months, you can either apply for a new policy, or apply for a health class reconsideration with your existing insurance company.

Even if you do only smoke a few cigarettes a day you will be classed as a smoker and you will usually be asked whether you have used any tobacco products in the previous twelve months, although if you only smoke the occasional pipe, cigar or cigarette on special occasions this will be taken into account and you may even be able to find a life insurance provider who is actually prepared to give you non-smoker rates.

One of the best final expense life insurance products for those who can qualify by their health, the level is among the most affordable because of the division in non-smoker and smoker rating classes, not common for final expense insurance.

Many of the life insurance companies would place a cigarette, pipe and cigar smokers into the same tobacco user rate class.

For example, if after the first year anniversary of the policy a client has stopped smoking, Prudential Life Insurance will consider a smoker to non smoker reduction in the rate class.

For example, if a 30 year old male qualifying for a preferred tobacco rate class wanted the most affordable life insurance for smokers, he would want to choose Assurity.

With most life insurance companies, even occasional cigar smoking is going to get you put in the smokers rating class.