How Do I Answer The "Tobacco Use" Question?

Tobacco use can usually be accurately determined through an insurance exam, which includes a urine specimen. Although cigarette smokers generally pay higher rates than non-smokers, occasional smokers can sometimes obtain "non-smoker" rates. Other tobacco or nicotine users (pipe, cigar, chewing tobacco, dip, snuff, nicotine patches and nicotine gum) are also sometimes looked at more favorably than heavy or moderate cigarette smokers. Please answer the tobacco use questions as accurately as possible. We will work with you to find the insurance company with the most affordable term life insurance rates for your situation.