Life Insurance - 2018

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deepspringfarm

Junior Member
Dec 29, 2013
71
0
I checked for previous posts on this but they seemed quite a few years old.
Anyway, I have a brother in law who is trying to get life insurance. I picked up some about 15 years ago for a pipe smoker. He smokes about once a year when we get together. But the insurance company he got a quote from put him down as a smoker. Anyway, is there anywhere that you know of that he can be honest about smoking once a year and get non smoker rates?

 

warren

Preferred Member
Sep 13, 2013
7,542
415
Get an insurance agent/broker to shop around, do the work. I see companies advertising on the TV who state smoking doesn't matter. So, they are out there.

 

instymp

Preferred Member
Jul 30, 2012
2,037
9
What Warren said. Get an independent broker, & he/she will save you money on almost everything you need.

 

zack24

Preferred Member
May 11, 2013
1,726
0
Being a highly trained insurance professional(only licensed in Florida), I'll give you my 2 cents- Here's a link for several companies that allow unlimited pipe or cigar smoking. I wrote a 500k policy 8 years ago for a cigar smoker at normal rates with Prudential...and the client unfortunately died 4 months ago from throat cancer.....Insurance companies covering pipe smokers... Prudential, MetLife, and Lincoln are the probably the best bets for normal rates on pipes...

 

seacaptain

Preferred Member
Apr 24, 2015
1,831
2
My company insurance is automatic with no questions asked (health care plan asks though), but a few years ago, I got an additional private life insurance plan and the only tobacco question was "have you smoked cigarettes in the past 12 months".

 

herrpfeifen

New member
Feb 28, 2018
33
0
ING/Lifestar will write him a policy if he smokes pipes or cigars less frequently than once per week and if his urine tests negative for nicotine during the physical.

 

warren

Preferred Member
Sep 13, 2013
7,542
415
Too many policies available to deal with a company that puts restrictions on smoking.
I can't resist. The other option is to get your net worth up to where you don't need to worry about life insurance.

 

olkofri

Preferred Member
Sep 9, 2017
2,520
480
Or to get your net worth so low that you can't afford insurance.
I have no life insurance.

 
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