call: (910) 328-0447
contact me
Securian (Minnesota Life) has the broadest exceptional allowances for tobacco use. Contact me for details.
Prudential allows non tobacco rates for those who use, pipes, cigars, chewing tobacco, non-nicotine e-cigarettes/vapes, hookah use, nicotine patch or nicotine gum. If the applicant has not used cigarettes in the last 12 months, and admits on the application the use of a tobacco or nicotine product, Non‐Smoker Plus at best is available. Non-Smoker Plus, generally called standard plus, is only rate class above the preferred non tobacco rate. An occasional celebratory cigar smoker can quality for the preferred best category subject to their guidelines. Contact me for details.
Lincoln National standard non tobacco rate includes alternative tobacco: cigar, pipe or chewing tobacco users, no cigarette usage in the past 12 months; electronic cigarettes are smoker rates. John Hancock allows their Standard Nonsmoker rate for non cigarette users in the last 12 months, smokeless tobacco or other nicotine product users, but e-cigarettes are not included in that category.
What separates Prudential and John Hancock out from the competition is that the applicant can test positive for nicotine on the paramed exam and still qualify for the non tobacco rate. Some carriers allow an occasional use of a non cigarette tobacco product, but the nicotine test result must be negative. For occasional cigar use with a negative paramed test result, several carriers allow preferred best rates.
Cigars occasional cigar use non-tobacco rates, rules and stipulations vary, generally max 12 cigars per year with a negative urine test may qualify for preferred best
American General (very favorable definition of occasional)
American National
Banner
Equitable
Global Atlantic Life
Guardian
Lincoln National
Mutual of Omaha/United of Omaha
Nationwide
Pacific Life
Penn Mutual
Protective Life
Prudential
Securian (Minnesota Life)
Symetra
Transamerica
William Penn (NY)
Electronic Cigarettes (e-cigarettes)
Prudential: non-nicotine e-cigs/vape will be NonSmoker (as good as Preferred Best if otherwise qualified)
Minnesota Life: e-cigs/vape with NO nicotine
Quit Smoking Incentive
Equitable
John Hancock
MassMutual
Best Carrier Rate Classifications for Quitting Tobacco
Preferred Plus: No Tobacco for 1 year
MassMutual
Preferred Plus: No Tobacco for 3 years
Lincoln National
Penn Mutual
Securian (Minnesota Life)
Mutual of Omaha/United of Omaha
Preferred Non-Tobacco: No Tobacco for 2 years
Banner Life
Guardian
John Hancock
Lincoln National
Mutual of Omaha/United of Omaha
Nationwide
Protective Life
Transamerica
William Penn
Standard Plus: No Tobacco for 1 year
American General
Equitable
Banner Life
Companion Life of NY
Minnesota Life
Prudential
Symetra
Contact me for a free confidential quote:
Sean Drummey
phone: (910) 328-0447
email: spdrummey@gmail.com
partially revised: 4/28/2022 – accuracy or completeness not guaranteed; guidelines subject to change