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The low-down on smoking rates
The fact of the matter is that insurance companies see 2 types of people, non-smokers and
smokers. If you smoke one cigarette a week you will be in the same insurance premium class as
someone who smokes a pack per day! If you smoke more than 20 cigarettes a day you will pay
even more. The premium rates for smokers can easily be 2 to 3 times the rates for non-smokers.
Through research and medical studies, insurance companies believe that smoking increases the
risk of premature death.
What about non-cigarette tobacco use?
Most insurance companies will treat non-cigarette tobacco use favorably different than cigarette
smoking. In many cases, non-cigarette tobacco users can actually qualify for non-smoker
premium classes which offers them enormous savings over the cigarette rates.
Non-cigarette tobacco use that qualify for non-smoker premium classes:
- Cigar
- Pipe
- Chewing Tobacco
What if I used to smoke? How long until I can qualify for a non-smoker category?
For cigarette smokers, you will need to be smoke-free for at least one year before you can
qualify for a standard non-smoking rate; 2 years to qualify for a preferred non-smoking rate.
Most non-cigarette tobacco users can qualify for a preferred non-smoking rate after just one
year of no-tobacco use.
What All Pilots Should Know When Applying For Life Insurance
1. Work with an aviation experienced insurance agent
2. Know the aviation guidelines before submitting an application
3. Complete the insurance aviation supplement form correctly
All-Around Tips When Applying For Life Insurance
1. How to have a better medial exam
2. Disclose your complete medical history to the insurance company
3. The low-down on smoking rates
4. The more you weigh, the more you pay
5. Conclusion
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