Non Smoker Rates For Tobacco users

Best Burial Insurance Plans if you smoke

It’s general knowledge that somebody who smokes usually is charged more for any insurance. The hard reality is that folks who smoke tend not to live as long as non-smokers.

 The bottom line is the best price for tobacco use is a non-smoker rate.  

While shopping for burial insurance, smokers know insurance companies will charge them a higher premium. The problem is- what burial insurance plan will be the most affordable for smokers?

It’s a question we get quite frequently, and today we are going to answer it thoroughly.

This section will explain how Burial Insurance Plans decide if you are subject to Smoker rates, which companies give the best tobacco rates for burial insurance. Finally, we will explain how anyone can find the best burial insurance plan.

Non-Cigarette Tobacco 

As we all know, there are many forms of Tobacco. This section is specifically for people who smoke cigarettes. 

Burial Insurance Plans for non Smokers could still include the following types of tobacco usage; 

• Pipe Smoking
• Chewing Tobacco or Dip
• E-Cigarettes 
• Smokeless Cigarettes or Vaping
• The occasional Cigar
• Nicotine patches
• Nicotine gum

Every Burial Insurance company will use the following guideline to decide if you are subject to tobacco rates.

With all companies but one smoking cigarettes, in any volume, within the last 12 months will get smoker rates. 

If you have smoked even one cigarette within the last year, they will subject you to tobacco user rates with most insurance companies. Please know, insurance companies do not care about volume. No application will ask how many cigarettes you smoke per day.

It’s yes or no when it comes to applications for burial insurance plans. You either have smoked a cigarette or more within the last 12 months, or you haven’t. There is nothing else to it.

Burial Insurance For Smokers

Again, other types of Tobacco use are different. In this article we are only speaking about the smoking of cigarettes.

Get lower rates when you quit smoking or even plan to quit smoking. 

If you ever wanted to quit smoking, you could potentially secure a much lower rate.  

Quit Smoking Advantage program.

Americo Eagle Premier® Series Brochure

Americo Burial Insurance Company has put together the Quit Smoking Advantage program to encourage clients to stop smoking.  

Here's how this Burial Insurance Plan works: smokers can receive The Eagle Premier Smoker policy with Non-Smoker rates for the first three policy years. If, by the 3rd policy anniversary, you can attest that you quit smoking for at least 12 months, your death benefit and premium will then remains level for the life of your plan.

How does the company verify you quit smoking?

To keep the Non-Smoker rates, you must provide evidence that you quit using all nicotine products, and you must attest to the fact that you’ve stopped for at least 12 months straight. With the Quit Smoking Advantage plan, you have three years to do this, or the death benefit will go down.  

With a traditional Burial Insurance policy, you wouldn’t qualify unless you have stopped smoking for a full year. However, with this Quit Smoking Advantage option from Americo, you can get those Non-Smoker rates now. It’s a win-win for everyone!

Use our free quote tool

You can quickly tell out the difference between smoker and non-smoker rates. See the difference for yourself!