This is the ultimate guide to non-smoker life insurance rates for cigarette smokers, tobacco chewers, marijuana use, e-cigarettes, vape and everything else involving tobacco or nicotine products.
This Life Insurance Guide for Smokers, Smokeless Tobacco, and Nicotine Products Covers:
- Tobacco and Nicotine Life Insurance Overview
- Life Insurance by Tobacco and Nicotine Type
- Tobacco and Nicotine Questions Every Consumer Has
- How to Get Non-Smoker Life Insurance Rates
Tobacco and Nicotine Life Insurance Overview
Here’s the good news…
Non-tobacco life insurance rates are available for all types of tobacco and nicotine products!
In this guide, we give you detailed life insurance underwriting information broken down by the type of tobacco and nicotine products to help you find your best rate.
If non-smoker life insurance rates are available, we’ll help you get them.
Life Insurance by Tobacco and Nicotine Type
The following guides provide you with everything you need to know in order to get affordable life insurance.
Cigarette Smokers
If you are a daily cigarette smoker, occasional or a couple times a year smoker, we show you the best deals available.
If you quit, special rules apply that you’ll want to know about.
Read More: Cigarette Smokers Life Insurance
Cigar Smokers
It doesn’t matter if you smoke daily, weekly, monthly or the occasional cigar, it’s all covered here.
Read More: Cigar Smoker Life Insurance
Chewing Tobacco
Chewing tobacco rules are straight forward, but strict.
Find out which companies will be best for you.
Read More: Chewing Tobacco Life Insurance
Pipe Smokers
For pipe tobacco users, it all comes down to your lab results, as that will determine the best company for you.
Read More: Pipe Smokers Life Insurance
Marijuana
Marijuana use is no longer a penalty with many companies, but others still use dated underwriting rules that will hurt your wallet.
Read More: Marijuana Life Insurance
E-Cigs and Vape
Right now, it is still possible to get non-tobacco rates if you use e-cigarettes or vape, but that is going away on October 21, 2019. With all the recent negative press and concerns about health issues with e-cig or vape use, all users will now be treated as tobacco users.
Tobacco and Nicotine Questions Every Consumer Has
We continually add questions that people are asking about smoking, marijuana, nicotine, smokeless tobacco and more.
Do Smokers Have to Pay More for Life Insurance?
Smokers pay higher premiums for life insurance than non-smokers. In fact, a smoker can expect life insurance premiums to increase 4-5 times more than for a non-smoker looking for the same coverage!
What happens if you start smoking after you get life insurance?
Absolutely nothing! If you just happen to start smoking after you bought life insurance, there is zero impact to your life insurance policy.
The only exception to this would be if your original rate was through a quit smoking incentive program that some carriers offer.
Quit smoking incentive programs give you non-smoker rates for the first few years, and let you keep them if you are still smoke free afterwards.
How long do you have to be a non smoker for life insurance?
You have to wait 12 months to be a non-smoker for life insurance. Keep in mind that after 12 months, life insurers will only allow their “standard non-smoker” life insurance rate.
In order to qualify for the “preferred” or “preferred best” rates, life insurers require 36-60 months depending on the company.
It will make sense to re-shop each year for a few years after quit in order to lock in better life rates.
If your tobacco use was something other than cigarettes, non-smoker rates are available right away.
Will Life Insurers Know If I Smoke?
Life insurers may or may not know about your smoking history if you fail to disclose it.
There are a couple of things you should keep in mind:
- If you smoke, disclose it on your application.
- The nicotine metabolite cotinine may show up in your labs.
- Your medical records may indicate that you smoke.
- If you previously received smoker rates, the MIB knows for 7 years.
- Your life insurance policy could end up being worthless.
The whole point of life insurance is to protect your family, business or estate…why risk leaving them in financial ruins?
Failing to disclose smoking status may render your policy worthless, leaving your beneficiaries in a jam.
The MIB – Medical Information Bureau is used by most life insurers, and smoking status shows up for 7 years on the MIB.
Which leads to…
What Happens When People Lie About Smoking for Life Insurance?
Failing to disclose smoking on a life insurance application is a big problem.
If the life insurance company doesn’t decline the application, underwriting will scrutinize every detail of the application to the ‘nth” degree.
When a “lack of candor” issue arises in life insurance underwriting, every aspect of your application will be questioned.
Some companies will simply decline you, while others will give you a smoker life insurance rate.
With the exception of cigarettes (and even these in some cases), non-smoker rates are always available.
How Do Life Insurance Companies Check for Tobacco Use?
Life insurers check your lab results, the MIB and your medical records for tobacco use.
Nicotine is rapidly absorbed and metabolized by your body. The half life of nicotine (the amount of time it takes for half of the nicotine to leave your body) is about 2 hours.
The other half hangs around your liver and is converted to the metabolite cotinine…and this is what life insurance companies look for.
Smokers typically test positive for cotinine for 1-3 days but in some cases longer.
Cotinine tests can be performed on blood, urine or oral fluids but mainly it’s done with the urine sample.
Laboratory accuracy is around 99%.
What cotinine can’t tell the underwriter is the type of tobacco/nicotine product used.
If you disclose the type of tobacco/nicotine product you use (and you should), a positive nicotine test may still allow non-smoker rates with the right companies.
What About Second Hand Smoke?
It is unlikely that second hand smoke will cause a positive cotinine test.
The reason why is that secondary smoke will register about 50 ng/ml in a urine test and most life insurers threshold for detection is above the 50 ng/ml mark in order to avoid this issue.
What if I Use Multiple Types of Nicotine Based Products?
We just need to know the types of products you are using and whether your labs will be positive or negative for cotinine.
There are non-smoker life insurance rates available for most scenarios…the most difficult situation will be if cigarette smoking is involved.
How to Get Non-Smoker Life Insurance Rates
The most important thing for you to do is let us know exactly what types of tobacco or nicotine products you use.
We’ll then show you the underwriting rules and requirements that you need to meet in order to qualify for non-tobacco life insurance rates.
Check out our guide to types of life insurance policies to help you get the right policy.
If you need help figuring out how your life insurance needs, our guide to how much life insurance you should consider will help.
If it turns out that only smoker life insurance rates are available to you, we’ll show you the most competitive life insurance rates available to help you meet your needs.
Remember, we work for you, not the life insurance company. There is never any pressure or obligation with our life insurance service.
Please take a few minutes to submit your quote request today. Thank you.
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