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Burial Insurance if you Chew Tobacco
By Matt Schmidt
Affordable Burial Insurance if You Chew Tobacco
Let’s face it – tobacco is tobacco. It doesn’t matter if you smoke it or if you chew it. But, when it comes to affordable burial insurance, is it possible for those chewing tobacco to get a rate comparable to those who do not use tobacco? Yes! It is possible! In some cases, they may save you 20% or more on the cost of insurance. We’d rather you spend your hard earned money elsewhere than on an overpriced final expense insurance policy who rates you as a tobacco user, for using chewing tobacco!
There are many people who are tobacco chewers but have never smoked. Unfortunately, these individuals have found it hard not to be classified as a tobacco user and thrown into the same category as smokers – receiving a higher rate on final expense life insurance policies.
Thankfully, there are some steps that you can take to easily obtain a “non-tobacco” rate, even if you chew! The key is to know how – and that is exactly what we are going to show you! Keep reading to learn the ‘ins’ and ‘outs’ of insurance companies when it comes to tobacco and non-tobacco users and discover the strategy that will get you the best final expense life insurance policy possible! If you are feeling lucky, we may even throw in the names of a few companies that offer affordable policies with chewers in mind!
Believe it or not, every burial insurance company looks at tobacco (and nicotine) use differently. This means that it is important to research just how each company defines it. For example, some insurance companies classify all users of all forms of tobacco as a tobacco user and require the buyer to purchase a policy at a higher rate. Yet others are only concerned with cigarette smoking – leaving chewers free and clear of any “tobacco” status.
Yes…that means you can actually qualify for a lower rate by honestly answering their question “Do you smoke cigarettes?” Honesty always makes you feel good. And by working with an agent from Burial Insurance Pro, they’ll be able to show you what companies will offer non tobacco rates, for your usage of chewing tobacco.
Now that you are feeling good about your chance of obtaining an affordable burial insurance policy, how about some more good news? The insurance companies don’t require medical or physical exams for these types of policies! In fact, the application process is very simple. You answer basic health questions, and the insurance company does a Medical Information Bureau review, as well as a prescription drug background check. Many companies may approve you for coverage in a matter of minutes, or hours! You will not wait around for weeks, for a final decision.
Here is an idea of the typical final expense policy application process:
You can rest assured that there is no long application process, no stack of paperwork to complete, and no uncomfortable personal visits from the insurance company representative. Just a quick and easy phone call and you will be all set!
Many companies allow you to complete an application directly over the phone, without any paperwork. Or, you may complete a paper application or one thru your email. The choice is 100% yours. Call us at 844-334-6143 and we can discuss which method is best for your individual situation.
Now that we have discussed that it is possible to obtain a non-tobacco rate even if you chew tobacco and we have reviewed how simple the application process is, let’s take a look at just how this affordable rate is obtained.
Ready for the secret? It is all about how they word the big tobacco question. Check it out:
Have you used tobacco in the last 12 months?
Have you smoked cigarettes, chewed tobacco, or used tobacco in any other form in the last 12 months?
Have you smoked cigarettes in the last 12 months?
If you were to honestly answer the question from Company A or B, and you are a tobacco chewer, then you would have to answer, ‘yes.’ However, notice that Company C is only questioning you about cigarette smoking. If you are a chewer – and not a smoker – then you can honestly answer this question with a ‘no.’
And you just scored yourself a non-tobacco user policy. Easy, right? With these final expense carriers, their line of questioning is straightforward. Simple YES or NO questions. No tricks, nor are they trying to trick anybody.
It is important to note that insurance companies ask straightforward questions and look for a one word answer. It either is or it isn’t, or it is yes or no. There is no maybe and no in-between. So, if they ask about cigarettes and you chew, then you honestly answered correctly.
So now that you know the inside scoop, you are probably wondering which companies out there will offer non-tobacco rates for tobacco chewers. There are three companies that work to provide these affordable rates, but keep in mind that it only applies to non-smokers.
Equitable Life has been around for many, many years. In fact, it has been in the life insurance business since 1935. They pride themselves in taking care of aging individuals and in their customer service. Equitable Life offers non-tobacco rates to anyone who smokes cigars or pipes, in addition to those who chew tobacco. To determine if you may qualify for their product, simply reach out to us. We’ll have an agent visit with you, and determine eligibility.
Settler’s Life has been providing quality life insurance products for many years and has received great ratings. They offer affordable rates on all of their policies, including offering non-tobacco rates to those who chew tobacco (and don’t smoke cigarettes, of course).
Americo takes the cake in length of service – they have been around for over 100 years! They like to focus on strength and stability and have proven themselves to be financially strong due to the company’s successful history. Americo is one of the companies that offer non-tobacco rates to anyone who doesn’t smoke cigarettes. This means that tobacco chewers, pipe smokers, and cigar smokers all qualify for the cheaper rates! Many individuals find that Americo is easy to work with and that their customer service department is friendly and pleasant.
Gerber Life Insurance company has been around since 1967 and has a long history of being financially solvent. Throughout North America, they have nearly $45 billion of life insurance in force.
Gerber Life also provides one of the most popular options, for senior life insurance. Their product is a guarantee issued policy. Meaning everyone between the ages of 50 to 80 are approved. No health questions are asked, nor any questions about chewing tobacco, or cigarette use. Tobacco users and non-tobacco users will receive the same rates. We feel they are one of the best burial insurance policies available to people in poor overall health.
These guaranteed acceptance policies are ideal for people who are not in ideal health, or who have had recent health issues. Some examples of health issues that will decline you for most insurance companies are Heart attacks within 2 years, cancer treatment within 2 years, Alzheimer’s/Dementia, or having HIV/AIDS. Those health conditions would be accepted by Gerber Life.
When you are shopping for anything, you likely compare the pros and cons of similar products, as well as comparing the cost. It is common – we all want the best deal! It is no different when it comes to shopping for burial insurance policies. You want to shop around to see what your options are and then make the best selection for your needs. Unfortunately, it really isn’t that easy.
There tends to be great variance from one company to another in terms of policies, the cost, and the length of coverage. Reviewing each of these things and making the best guess at coverage can be tedious and exhausting. This is especially true when you know that the policy you ultimately choose will be the one that determines just how good your coverage will be. Do you want to take that risk alone?
At Burial Insurance Pro’s, we work with you on this process to ensure that you get the exact coverage you are looking for – at a price you can afford. We are an independent agency with a large network of insurance companies. Your health profile will ultimately determine what insurance companies will accept you, and at what rates.
If you need a little nudge, here are a few reasons why using Burial Insurance Pro’s can provide you with peace of mind.
It is absolutely possible to obtain a final expense policy at a non-tobacco rate, despite your history of chewing tobacco. Let us show you how we can help you find those policies and determine the best choice for your needs.
We know you want to make sure there is insurance, to address your funeral expenses, and other final expenses. This is a very important financial decision for you and your family. It’s not one to be taken lightly. At the time of your death, these policies will provide a lump sum, tax free payment to your family or beneficiary. They will then be able to use the funds to take care of your final expenses
Contact us today! A quick call to 844-334-6143 is all it takes. Or simply make an online quote request. We are here to help you, and to work with you and your family.