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Everyone knows tobacco chewers can’t get “non tobacco” rates.
Or wait, can they?
Actually, yes they can! It is possible for chewing tobacco users to secure a burial insurance plan at non tobacco rates. As it turns out, chewing tobacco is not a risk factor to some burial insurance companies.
We have a long list of clients that chewed tobacco (didn’t smoke), and we were able to get them into a final expense life insurance policy where they were classified as a non tobacco user. It seems many dippers have found it very difficult finding a company that would offer them non tobacco rates.
It doesn’t have to be hard, and we are going to show you exactly what you need to do to secure the lowest cost burial insurance plan at non tobacco rates.
In this piece, you will learn how insurance companies classify tobacco versus non tobacco, show you some companies that are friendly to chewers, and teach you an iron clad strategy to find the best burial insurance plan.
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Every burial insurance application will inquire about tobacco or nicotine use in some way. The key thing to understand is that every burial insurance company classifies “tobacco use” in their own way.
The truth is, there are some companies out there that only care about cigarette smoking. With these companies, chewing tobacco is perfectly acceptable. That means you can qualify for their non tobacco rates because you can honestly say no their question that asks if you smoke cigarettes (assuming you actually don’t smoke).
Oh and here is something else that’s awesome about a final expense policy
Did you know that funeral life insurance plans don’t require physicals or medical exams? The application process is incredibly simple.
- You answer some basic questions about your health.
- You and your agent get on the phone with the insurance company to process your application.
- The insurance company obtains all the authorizations from you, so they can determine you are medically eligible for the coverage.
- You receive a decision on that phone call.
- Your payments begin when you decide. There is no money due at the time of the application.
As you can see, it’s incredibly simple to apply. There’s no paperwork to fill out, and you don’t have to allow a stranger in your home.
In order for you to qualify for non tobacco rates you have to look for burial insurance companies that ask about tobacco use in a way like this or very similar to it:
In the last 12 months have smoked cigarettes?
As you can clearly see, they are not asking about chewing tobacco. All they care about is people who smoke. Technically, cigar and pipe smokers could say no to the above question too.
Any funeral insurance company that phrases their tobacco question in that way will only subject cigarette smokers to tobacco rates. Everyone else qualifies for their non tobacco rating.
Here’s the rule to live by regarding burial insurance underwriting.
Every question the insurance company ever asks you merely requires a simple Yes or No answer. There are no grey areas. You either have the condition they are asking about, or you don’t.
Below are 3 companies in particular that offer non tobacco rates to folks who chew. Please remember, you must not smoke cigarettes.
Americo is a very financially strong insurance company that has been in business for over 100 years. They will offer anyone who isn’t smoking cigarettes non tobacco rates. This includes chew, pipe usage, or cigar smoking. All of those qualify for non tobacco rates with Americo.
Dating back to 1935, Equitable Life has a strong history in the life insurance business. They are one of the few carriers that will offer non tobacco rates to folks who chew, smoke cigars, or pipes.
For decades, Settlers Life has been providing quality life insurance products to American citizens. In addition to competitive rates on their burial insurance, they too offer non tobacco rates to folks who chew.
Every shopper today understands the importance of comparing prices from lots of providers before making the purchase. This principal still applies when buying burial insurance. However, the when buying burial insurance, how you compare prices will ultimately determine how good of a deal you go.
Here’s how you do it
To find the best burial insurance for chewing tobacco users, you have to utilize the services of an independent agency that has lots of insurance companies to choose from. More specifically, they must have access to final expense life insurance companies that offer non tobacco rates to people who dip.
You might be wondering which company to go with?
Not surprisingly, we highly recommend Choice Mutual as your burial insurance agency. This is all we do, and we have ample experience helping folks of all backgrounds secure the most affordable coverage. In addition, we do work companies that will offer you non tobacco rates if you chew.
Working with an agency like us is just like having your own personal shopper. Our job is to assess your situation, so that we can determine which companies will suit you best. Then it’s simply a matter of selecting which insurance company will offer you the lowest price.
We have no special affiliation with any one company. All we care about is making sure that when we are done helping you that no other agent will be able to come in behind us and offer you a better deal.