Last Updated on August 5, 2016 by lifepolicyshopper
No Medical Exam Term Life Insurance While You Quit Smoking Cigarettes
If you’re age 55 to age 64 and you recently checked into the price of final expense plans or whole life insurance plans you know the price is a lot higher than when you might have received a quote when you were younger and healthier. You also might notice plans rate up the price for the use of tobacco, specifically the use of cigarettes.
Most plans ask, “Have you used any form of tobacco within the last 12 months?” You’ll notice the tobacco rate is considerably higher than the non-tobacco rate. Though some insurance companies rate the use of cigars, pipes, e-cigarettes and smokeless tobacco for their final expense life insurance plans as non-tobacco.
For instance, Equitable Life Insurance Company offers their final expense plan at a non-tobacco rate when the applicant smokes a pipe, cigars, e-cigarettes or uses smokeless tobacco products. Americo Life Insurance Company offers their final expense plan at a non-tobacco rate when the applicant smokes a pipe, cigars or uses smokeless tobacco products. They do not consider e-cigarettes as non-tobacco. 5 Star Life Insurance Company and Settlers Life Insurance Companies only consider the use of smokeless tobacco products as non-tobacco for their final expense plans.
So are you thinking about kicking the habit of smoking? Would you like to qualify for a final expense plan at a non-tobacco rate? What I do with several of my clients is enroll them into a plan that secures an inexpensive death benefit for their family while they take the time to qualify at a non-tobacco rate. I work with them for a year in order to stop using tobacco products all together or use other nicotine products than cigarettes in order to answer “NO” to the question – “Have you smoked cigarettes in the last 12 months?” Once you can answer NO to this question, we can enroll you in a permanent whole life final expense plan at a non-tobacco rate.
If you would like to enroll in an inexpensive life insurance plan that does not rate up the use of tobacco while you take the time to quit, I have exclusive access to a plan in the Commonwealth of Virginia that will not rate up the use of tobacco, high blood pressure, diabetes or high cholesterol.
This plan offers a guaranteed level premium and a guaranteed level death benefit
for the first 10 years. The coverage amount cannot be individually decreased on a particular insured due to a change in age, health, or employment status. You choose the level of benefit that best meets the needs of your family. Coverage can never be cancelled by the insurance company or your employer unless you stop paying the premiums.
Emergency Burial Benefit
Within 24 hours after receiving notice of an insured’s death, an emergency death benefit of the lesser of 50% of the coverage amount, or $15,000 will be mailed to the insured’s beneficiary, unless the death is within the two-year contestability period
and/or under investigation.
Terminal Illness Coverage
This plan pays the insured 30% (25% in CT & MI) of the policy coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life span of less than 12 months.
So if you’re interested in temporary life insurance coverage that does not require a medical exam as you stop smoking cigarettes, call (540) 226-8715 for an easy enrollment over the phone.
I would love to work with you on this for the following reasons:
1. This will give your family immediate death protection.
2. This will give you motivation to quit smoking cigarettes and improve the quality of your life.
3. This will ultimately give you a way to get permanent protection at non-tobacco rates and save you thousands of dollars over time.
4. I would love to help you live a longer, healthier and more prosperous life.
To qualify for this plan there are 7 medical questions:
Have you been hospitalized in the past 90 days?
Have you ever applied for and been rejected for life insurance?
Have you been diagnosed or treated by a member of the medical profession, or tested positive for: human immunodeficiency virus (HIV), acquired immune deficiency syndrome (aids), or AIDS-related complex (ARC)?
In the past 5 years, have you been hospitalized for, been diagnosed or treated by a member of the medical profession or taken prescription medication for angina, heart attack, stroke, heart bypass surgery, angioplasty, coronary artery stenting, or coronary artery disease?
In the past 5 years, have you been hospitalized for, been diagnosed or treated by a member of the medical profession or taken prescription medication for any form of cancer to include leukemia or Hodgkin’s disease (excluding non-invasive, non-melanoma skin cancer)?
In the past 5 years, have you been hospitalized for, been diagnosed or treated by a member of the medical profession or taken prescription medication for Chronic obstruction pulmonary disease (COPD) emphysema, or any other chronic respiratory disorder, excluding asthma?
In the past 5 years, have you been hospitalized for, been diagnosed or treated by a member of the medical profession or taken prescription medication for alcoholism or drug or alcohol abuse, cirrhosis, hepatitis, or any other disease of the liver?
If you can answer “NO” to these 7 medical questions, you qualify for enrollment for this temporary coverage. In the Commonwealth of Virginia call (540) 226-8715 for a quote and easy enrollment over the phone. No medical exam required.