There is a Way to Get 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!
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!
Defining tobacco use
Believe it or not, every 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.
About the application process for a final expense policy
Now that you are feeling good about your chance of obtaining an affordable final expense 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.
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!
The secret to obtaining a “non-tobacco” rate as a tobacco chewer
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?
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.
Companies for tobacco chewers
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.
Settler’s Life has been providing quality life insurance products for many years and have 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 offers 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!
How to find the best deal on burial insurance
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 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 the 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.
If you need a little nudge, here are a few reasons why using Burial Insurance Pro’s can provide you with peace of mind.
- We have many years of experience and we know our field.
- We have built relationships with many different insurance companies.
- Forget the broad spectrum – our focus is on burial insurance and final expense life insurance. It’s our area of expertise.
- We work for you. We want to educate you and help you make the best decision possible. And we stay right by your side throughout the entire process.
- We are licensed agents.
- We never use pressure or sales tactics to get you to buy insurance. We simply work to provide you a list of your options from as many sources as possible. We are there to answer any questions you may have or to provide you with honest insight when needed.
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.
Call us today!