Mr. Smith admits to smoking a few cigarettes within the past year... To his surprise, the agent informs him... he won't be able to qualify for non tobacco rates.
San Diego, CA (PRWEB) June 21, 2012
Does this sound fair?
Mr. Smith calls up his insurance agent for quotes on term life insurance. The agent asks all the standard questions about his health history, height and weight, and then asks, "Any tobacco use in the last 5 years?"
Mr. Smith admits to smoking a few cigarettes within the past year at a party, but declares himself as a non smoker. To his surprise, the agent informs him that life insurance companies have a "zero tolerance" rule about cigarette use within the past year, and because of the handful of cigarettes he enjoyed in the past year, he won't be able to qualify for non tobacco rates. At tobacco rates, Mr. Smith will now be forced to pay double to triple the rates of a non smoker.
So Mr. Smith shops around a bit, and to his amazement, finds that every insurance company in the U.S. will classify him as a cigarette smoker... Until Now!
Breaking news for light cigarette smokers. One major U.S. life insurance company will now allow "occasional cigarette use" within their NON tobacco rates.
Applying to this insurance company could save a consumer over 50% on life insurance.
Who qualifies? Huntley Wealth Insurance has posted the guidelines about "how to qualify for non tobacco rates" at Non Tobacco Life Insurance for Light Smokers, including maximum number of cigarettes allowed.