Carriers for Chewing Tobacco

Aug 19, 2015

  1. pfg1
    Offline

    pfg1 Guru

    Posts:
    1,544
    Likes Received:
    324
    State:
    Virginia
    Are there any mutual WL companies that handle chewing tobacco w better than the typical tobacco ratings? I know PRU is good for chewer's, but apparently they don't offer WL.

    Thx!
     
    pfg1, Aug 19, 2015
    #1
  2. pdoyle
    Offline

    pdoyle Super Genius

    Posts:
    223
    Likes Received:
    0
    State:
    Alabama
    Cincinnati Life has a WL policy... not par though.
    Very competitive product.
     
    Last edited: Aug 19, 2015
    pdoyle, Aug 19, 2015
    #2
  3. magiced
    Offline

    magiced Expert

    Posts:
    89
    Likes Received:
    0
    State:
    Massachusetts
    Americo's final expense whole life products allow non-smoker rates for chewing tobacco, cigars and pipes.
     
    magiced, Aug 19, 2015
    #3
  4. BNTRS
    Offline

    BNTRS Guru

    Posts:
    2,659
    Likes Received:
    8
    State:
    Vermont
    Guardian Life could be non-smoker rate (what most carriers call standard).
     
    BNTRS, Aug 20, 2015
    #4
  5. pfg1
    Offline

    pfg1 Guru

    Posts:
    1,544
    Likes Received:
    324
    State:
    Virginia
    Well that is good to know. When you say "could" be Std NT, does that mean there are stipulations to getting that risk class?

    How does an indy agent get appointed with Guardian?
     
    pfg1, Aug 20, 2015
    #5
Loading...