Carriers for Chewing Tobacco

[pfg1]

Are there any mutual WL companies that handle chewing tobacco w better than the typical tobacco ratings? I know PRU is good for chewer's, but apparently they don't offer WL.

Thx!

 

[pdoyle]

Cincinnati Life has a WL policy... not par though.
Very competitive product.

 

[magiced]

Americo's final expense whole life products allow non-smoker rates for chewing tobacco, cigars and pipes.

 

[BNTRS]

Guardian Life could be non-smoker rate (what most carriers call standard).

 

[pfg1]

Guardian Life could be non-smoker rate (what most carriers call standard).

Well that is good to know. When you say "could" be Std NT, does that mean there are stipulations to getting that risk class?

How does an indy agent get appointed with Guardian?