Best Term Companies for Chew/dip Tobacco?

[Mick_Keyou]

Any tobacco friendly company suggestions for a 41 year old male in FL; Occasional cigar, but he dips semi regularly. His current policy is Preferred Tobacco, approx $1,300ap for 15 year / 500k face with Banner. He's looking to lower AP with same face amount.

Thanks for any help.

 

[Tahoe Ray]

Any tobacco friendly company suggestions for a 41 year old male in FL; Occasional cigar, but he dips semi regularly. His current policy is Preferred Tobacco, approx $1,300ap for 15 year / 500k face with Banner. He's looking to lower AP with same face amount.

Thanks for any help.

Prudential. ...

 

[WinoBlues]

Any tobacco friendly company suggestions for a 41 year old male in FL; Occasional cigar, but he dips semi regularly. His current policy is Preferred Tobacco, approx $1,300ap for 15 year / 500k face with Banner. He's looking to lower AP with same face amount.

Thanks for any help.

Cincinnati Life and I believe Prudential will give them standard plus. If they qualify otherwise.

 

[Mick_Keyou]

Thanks gentleman! .

 

[WinoBlues]

Thanks gentleman! .

Oh sure, just thank T Ray

 

[GreenSky]

Oh sure, just thank T Ray

He said gentlemen so doubtful that included you.

Rick

 

[WinoBlues]

He said gentlemen so doubtful that included you.

Rick

I know ha.

.............

 

[JRoot]

Let me clarify what Wino said - PRU will go Standard Plus non-tobacco as a best case scenario.

 

[jdeasy]

Any tobacco friendly company suggestions for a 41 year old male in FL; Occasional cigar, but he dips semi regularly. His current policy is Preferred Tobacco, approx $1,300ap for 15 year / 500k face with Banner. He's looking to lower AP with same face amount.

Thanks for any help.

Foresters is also non tobacco for pipe and cigar smokers and chewers/dippers on their term products. Not on their whole life. Odd that a company would have different rules but Americo is the same way except in reverse. They are non tobacco for pipe/cigar smokers and chewers/dippers on their FE but not on their term products.

 

[HoosierLife]

Foresters is also non tobacco for pipe and cigar smokers and chewers/dippers on their term products. Not on their whole life. Odd that a company would have different rules but Americo is the same way except in reverse. They are non tobacco for pipe/cigar smokers and chewers/dippers on their FE but not on their term products.

Americo just figures if they made it to 65 smoking cigars with no COPD then they're obviously not inhaling.