Use the quick quote tool to see instant burial insurance prices on the very next page. If you want an agent to assess your health and let you know which companies will offer you the best deal call us at 1-800-644-2926.
Want to significantly reduce your monthly premiums for your burial insurance?
Of course you do, so here’s how you do it.
Go to your phone and type in this cheat code: 18006442926 or 18553625433
When you type in either of those cheat codes, you will be connected to a final expense life insurance agency that can connect you with insurance companies that offer non tobacco rates to folks who smoke a pipe.
Securing a policy at non tobacco rates could represent a savings of 50-70% on your burial insurance premiums! That’s a huge savings would you agree?
Now just to be clear, to qualify you must be completely free of smoking cigarettes within the last 12 months.
For what it’s worth, technically this value is also available to tobacco chewers. However, this article is about pipe smoking, so we will stay on topic. 👍
So by now you have probably put two and two together and realized that those cheat codes are merely our phone numbers.
We have assisted countless pipe smoking customers acquire non tobacco ratings on their burial insurance. A lot of them didn’t even know this kind of value was out there before they came to us. Today, we are going to show you everything you need to know so you can duplicate these results for yourself.
In this article, we will show you how funeral insurance companies define tobacco usage, list some of the companies that offer this great value, and teach you how you can always find the best burial insurance policy.
Quick Article Guide
Not surprisingly, every final expense life insurance company will inquire about tobacco usage. The thing to understand however is that not every company will define tobacco usage equally.
Here’s the deal
There are absolutely some burial insurance companies that specifically excluded pipe usage from their definition of tobacco usage. Furthermore, there are some companies that only want to know if an applicant smokes cigarettes. The point is, pipe smokers can secure non tobacco rates with these kinds of companies.
And it gets better
When you apply for a burial insurance plan, you will never need to take a medical exam. Furthermore, you won’t need to provide doctor records or undergo any lab tests. There are only health questions. That’s it!
Sadly, most companies that sell final expense life insurance won’t go the extra mile to help pipe smokers secure non tobacco rates. Fortunately, you found Choice Mutual and we specialize in this kind of insurance. We represent lots of insurance companies specifically for this reason.
We have options so we can freely choose the most appropriate insurance company for each client. In this case, we would be looking at the insurance companies that offer a non tobacco rating to pipe smokers.
There are no two final expense companies that have the same underwriting. All of them have their own guidelines regarding how they respond to various health issues. The same is true regarding tobacco ratings.
The key thing to pay to attention to is how they ask about tobacco. This is how you will know whether or not you are looking a company that will offer non tobacco rates to pipe smokers.
Below are some examples of how most final expense companies ask about tobacco usage. Companies that ask about tobacco usage in this way will not offer you non tobacco rates to pipe smokers.
Within the last 12 months have you used tobacco or nicotine in any form?
Obviously, if you haven’t’ smoked a pipe within the last 12 months you can say no to that question. However, if you have you would need to say yes which would subject you to their tobacco rates.
On the other hand, there are some companies that might ask about tobacco usage like this:
During the past 12 months have you used tobacco in any form (excluding occasional pipe and cigar use)?
As you can see, that question is very different. It specifically mentions occasional pipe usage as an exception. You can and should say no to that question if you truly only use a pipe occasionally. That would qualify you for their non tobacco rates.
Here is another way you might see a company inquire about tobacco usage:
Within the last 12 months, have you smoked cigarettes?
Clearly, all they care about is cigarettes usage. Since tobacco smoking via pipe isn’t a cigarette, you can say no to that question which means you would be eligible for non tobacco rates.
This is probably the most important part of the article as far as most people are concerned. By now you fully understand that there are burial insurance companies that offer non tobacco rates to pipe smokers. Below are some of them.
Americo has a very strong financial track record, and has been in business for over 100 years. Their final expense product stands out in many ways from an underwriting perspective. One in particular is their non tobacco rating offered to pipe smokers.
For over 75 years Equitable has been offering quality life insurance products. Case in point, they like Americo offer pipe smokers non tobacco ratings.
Having been in business since 1910, American Amicable has been around the block. They have outstanding financials, and they too offer non tobacco rates to occasional pipe users.
By now its painfully obvious that the goal is to sign up with a burial insurance company that offers non tobacco rates to pipe smokers.
Here’s the kicker
Your health is a major component to what you pay and when your coverage will go into effect. It’s for this reason that you need a professional to help you find your plan.
To find the best burial insurance for pipe smokers you need to work with an independent agency that represents lots of insurance companies in your state. Furthermore, they must have access to all the carriers that offer non tobacco rates to pipe smokers. Ultimately, they will assess your entire health history, so they can recommend whichever final expense company that’s offering you the lowest price plan.
And it gets better.
You don’t even need to go searching for an agency like that because you have already found us! Choice Mutual is the most trusted burial insurance agency on the web. This is all we do, and we are very good at it.
Let us do the heavy lifting for you. We have lots of companies to choose from, so we will surely find you the best price no matter what.