Insurance Agent Forum

[B_Life]

Hi everybody!
Is there a company that will consider chewing tobacco a non smoker?
I know that occasional cigar use can be considered with some carriers but this is not the case with my client.
I would really appreciate any ides!

[WinoBlues]

Pru will give them Non Smoker + if they are in good health.

Originally Posted by B_Life

Hi everybody!
Is there a company that will consider chewing tobacco a non smoker?
I know that occasional cigar use can be considered with some carriers but this is not the case with my client.
I would really appreciate any ides!

[B_Life]

Well, good health, not really.
Hypertension, "social anxiety" arthritis

[dgoldenz]

Originally Posted by B_Life

Well, good health, not really.
Hypertension, "social anxiety" arthritis

Would probably still qualify for standard NS with Prudential, maybe the standard plus if the blood pressure readings are good.....the arthritis isn't a big deal unless it's rheumatoid/psoriatic, mild anxiety won't hurt him much if at all.

[Marpol]

Dippers and Chewers can get Std. NS with MetLife and John Hancock with a negative specimen. Prudential will give Std. NS with a positive specimen.

[pdoyle]

Prudential Standard Plus at best with Possitive HOS
John Hancock and Lincoln Finacial Standard at best with possitive HOS

MetLife Preferred is possible but HOS must be negative.