Do you chew tobacco? Non-tobacco life insurance rates are available if you get to the right life insurance companies. You can even chew at your paramed exam if you want to!
At RiskQuoter.com, our underwriting expertise for tobacco and nicotine users will help you find the best rates possible based on your chewing tobacco use.
Non-Tobacco Life Insurance Rates for Tobacco Chewers
Why pay a tobacco rate for life insurance if you chew tobacco when there are life insurance companies that will willingly give you non-tobacco life insurance rates?
Some life insurance companies will consider you to be a tobacco user, while a few will give you a non-tobacco rate for your term life insurance.
Am I cheating to get a non-tobacco life insurance rate if I chew tobacco?
The handful of companies available each have their own guidelines in order to qualify for non-tobacco rates.
Some life insurance companies will only give you their non-tobacco rate if your urine specimen is negative for nicotine while other life insurance companies could care less if you were chewing tobacco during your paramed exam!
We Know the Chewing Tobacco Life Insurance Rules!
It’s not a secret. We’ll tell you which life insurance companies will give you the best non-tobacco rate based on your tobacco chewing use.
We give you this information BEFORE you apply for life insurance!
That’s right. We are going to go over the underwriting rules before you apply so you don’t waste your time with the wrong life insurance companies!
Does My Urine Sample have to be Negative?
Only if you want to torture yourself with nicotine withdrawal symptoms….Actually, some life insurance companies want a negative urine specimen while other life insurance companies do not care. The reality is that one of the most competitive companies for chewing tobacco users could care less about the urine specimen.
Recent Example (keep in mind that rates change all the time..call us for current rates)
Male – age 35 – preferred best health, wants $500,000 – 20 year term. The best non-tobacco rate in the country is $245 per year. If you chew tobacco, you wouldn’t get this rate, but it may be possible to get a $515 per year rate. Compare that to the most competitive tobacco user rate at $865 per year!
How Do We Get You the Best Chewing Tobacco Life Insurance Rates?
We maintain a database of competitive life insurance rates and underwriting guidelines. There’s no pressure with our service. We’ll give you the information you need in order to make an informed decision about your life insurance.
How Long Does Nicotine take to leave my Blood or Urine sample?
Generally speaking, nicotine leaves your system in about 72+/- hours…….but that’s not what the life insurance companies are testing you for anyway.
Life insurance companies are looking for is cotinine. Cotinine shows up in your urine sample for much longer than nicotine….while every person is different, cotinine will leave your system in about 5-7 days.
We’ll show you which life insurance company is best for you based on your individual health information. Let us help you get the life insurance you need.
Would you rather discuss your request?
Call us today at Toll Free (800) 909-2040 for help.