LIFE INSURANCE FOR SMOKERS
Purchasing life insurance is an important part of financial planning, and is crucial for the security of your loved ones after you pass. There are several types of policies, including one that allows you to access the benefits of the policy while you are still living. Talk to a personal expert to determine which policy is right for your family.
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Preferred Non-Smoker after 1-year cigarette free. Preferred Best after 3 years of cigarette free.
Up to one a week can still get Preferred plus. Must have a urine sample negative for nicotine. One carrier will let you smoke unlimited cigars with nicotine in your urine. Classification Standard Plus.
Non-Smoker Plus Available.
Occasional recreational use, still non-smoker. If medical, depends on the underlying reason for the use.
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