Tobacco Use and Life Insurance Rates

affordable life insurance for tobacco chewers

Affordable Life Insurance for Tobacco Chewers

Are you a smokeless tobacco user? Maybe you got started watching your dad or grandpa, or maybe you played some high-school baseball. In fact, a lot of cigarette smokers find the only way to give up smoking is to turn to chewing or dipping to satisfy their cravings for nicotine.   Certainly, anytime a cigarette.. More

Cigar and pipe smokers

Affordable Life Insurance when You Smoke Cigars or a Pipe

Cigar and pipe smokers face an issue in their efforts select a term insurance policy that will be suitable to their circumstances and needs. Cigars are certainly not the same as cigarettes and most individuals don’t think of it as smoking when you enjoy a cigar or smoke a pipe on occasion. The issue is.. More

E-Cigarettes or Vaping increases life insurance rates

Vaping and e-cigarettes can increase your rates for life insurance if you apply with the wrong company.  Intended to reduce the dependence on cigarette smoking, vaping is a flourishing trend among smokers.  However, even though vaping has been shown to be significantly less of a health risk when compared to cigarette smoking, life insurance companies.. More

smokers life insurance

Why Smokers Pay More For Life Insurance?

Quick fact:  Life insurance cost more for smokers.  Here is how you can get a better rate if you smoke cigarettes, pipes, cigars, e-cigarettes, vape or even marijuana. When you apply for life insurance coverage, there are dozens of different factors that the insurance company is going to look at. Life insurance companies will surely.. More

life insurance for cigar smokers

Non-Smoker Rates for Cigar and Pipe Smokers, Chewers and Nicotine Patch Users

No need to pay for smoker rates on life insurance coverage, there is good news for tobacco chewers, cigar and pipe smokers and nicotine patch users who want to quality life insurance without paying the same high premiums as cigarette smokers. This also goes for vaping or e-cigarettes and marijuana use. Ogletree Financial Services can.. More