Smokers still are discriminated against for Life Insurance, But Chewers arent!

Life Insurance for people who chew or use snuff!

You might not have know that the major life insurance carriers over the past few years have eased the underwriting restrictions quite a bit on insureds who use alternate tobacco. The carriers have decided that cigarettes have a much higher effect on your mortality over chew, cigars or pipes.

What this means to you is that it is possible to find truly affordable life insurance coverage for chewers, Term and or Permanent Life Insurance coverage that wont break the bank. Chewers are now able to apply for and obtain coverage from top rated carriers at rates that are not even considered tobacco rates. Savings can be tremendous if you can obtain a non tobacco rate class.

Some of the top companies that offer these types of plans and their rate classes at this time:

• AIG may offer at this time Preferred Smoker
• AXA may offer at this time Preferred Tobacco
• ING-Reliastar may offer at this time Preferred Smoker
• John Hancock may offer at this time Standard-Non Tobacco
• Lincoln may offer at this time Standard-Non
• Principal may offer at this time Preferred Tobacco
• Prudential may offer at this time Non-Smoker Plus
• Transamerica may offer at this time Preferred Smoker

Of course these rate classes are subject to change at any time so please check with your agent or broker for the most up to date rates and quotes.

The best approach when a chewer or alternate tobacco user is looking for quality affordable and in some cases cheap term life insurance coverage is to either contact your agent or go online and do a search. You can use your current agent just make sure they are not a captive or career agent with no access to outside brokerage. The great thing about brokerage agencies is that they have up to minute access to the carriers that offer the best quote and rates. Career Agents mostly represent only one company and they are typically much more expensive with there tobacco rate classes.

One of the best Term Life Insurance Companies that offers great tobacco rates is Prudential they happen to be one of our favorite carriers when in regards to getting affordable coverage. Over the past few years they have been at the fore front of offering awesome rates for chewers and pipe smokers. It may be well worth your time to get a quote from them.

Don't lie on your application the company will find out if you use tobacco from a urine sample they obtain from your paramedical exam. If you don't disclose your tobacco use the carrier could reject your application.