No medical Exam Life Insurance for tobacco users

Request Your Tobacco User No Exam Life Insurance Quote

What is No Exam Life Insurance For Pipe, Cigar or Tobacco Chew Users?
Simply put, we have found companies that are willing to look at cigar, pipe or tobacco chew users as none smokers or special tobacco rate users. What that means to you, as a tobacco user, is that you can now get rates that are much, much lower (often less than half) the rates you would pay as a standard smoker/tobacco user (like cigarette smokers.)

These companies offering special No Exam Life Insurance tobacco user rates are top rated and with a lot of experience in these cases. Of course, since it is not always possible to tell who smokes cigarettes and uses other forms of tobacco, the insurance companies trust that their clients will tell the truth on the application about their tobacco use. Please keep in mind that, for the lowest possible rates, an exam is often needed. If an exam is an issue, we do have companies who will still offer insurance plans to tobacco users but at higher rates.

So, if you have used tobacco, other than cigarettes, you can now get special rates with our tobacco user No Exam Life Insurance plans.

Want to know more, just request a quote below and we will give more details on the companies and the plans.

How Can We Offer Large Amounts Of No Exam Life Insurance?

It is actually very simple. We have made arrangements with several no exam life insurance companies who have agreed to offer you their benefit irregardless of where else you are applying for no exam medical life insurance. In other words, if you request $500,000 in no exam medical life insurance we combine companies to give you what you need. One company may be for $300,000 in no medical exam life insurance and another would supplement your need for $200,000 in no exam life insurance. Please note that insurance companies still reserve the right to refuse the approval of additional insurance based on their own criteria. That has not happened yet though!

Request Your Tobacco User No Exam Life Insurance Quote