Aug 19, 2015 #1 P pfg1 Guru 1000 Post Club 1,849 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!
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!
Aug 19, 2015 #2 P pdoyle Super Genius 100+ Post Club 222 Gulf Coast Cincinnati Life has a WL policy... not par though. Very competitive product. Last edited: Aug 19, 2015
Aug 19, 2015 #3 M magiced Expert 93 Americo's final expense whole life products allow non-smoker rates for chewing tobacco, cigars and pipes.
Americo's final expense whole life products allow non-smoker rates for chewing tobacco, cigars and pipes.
Aug 20, 2015 #4 BNTRS Guru 1000 Post Club 2,662 Vermont Guardian Life could be non-smoker rate (what most carriers call standard).
Aug 20, 2015 Thread starter #5 P pfg1 Guru 1000 Post Club 1,849 BNTRS said: Guardian Life could be non-smoker rate (what most carriers call standard). Click to expand... 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?
BNTRS said: Guardian Life could be non-smoker rate (what most carriers call standard). Click to expand... 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?