by John Darer® CLU ChFC CSSC RSP CLTC
There are several life insurance companies that will allow non-smoker rates for users of cigars, pipes, chewing tobacco, nicotine gum, lozenges and e-cigarettes, even with nicotine in the urine. In order to qualify you will still need to be a non-cigarette smoker for at least 12 months.
You will still need to complete the normal underwriting process and other risk factors could impact your cost of insurance or whether or not you are insurable.
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