How To Save Money On Life Insurance When You Use Tobacco Products

About this episode

Shawn Plummer discusses how tobacco use affects life insurance premiums and offers strategies to secure lower rates.

Cutting straight to the chase in today's video, Shawn Plummer from The Annuity Expert delivers a brutally honest breakdown of how life insurance companies view tobacco use. The short answer? Yes, your premiums are going to be significantly higher because your life expectancy is statistically shortened by a controllable factor. However, Shawn reveals two massive strategies to secure cheaper rates—or even get "non-tobacco" pricing! First, Shawn issues a massive warning: Always tell the truth! If you lie about your tobacco use and fail the required blood or urine test, you will be instantly declined and placed on a public blacklist, meaning no insurance company will touch you for a minimum of two years! But if you are upfront about occasional use (like cigars), a select few carriers will actually grant you leniency. Second, Shawn reveals the ultimate "Commit to Quit" hack: a small group of carriers will give you permanent non-tobacco rates today, as long as you legally commit to quitting within the next two to three years! 👉 Read our complete, unbiased guide to Life Insurance for Smokers right here: https://www.annuityexpertadvice.com/life-insurance/life-insurance-smoker/ 📞 Need a…

People in this episode

Host: Shawn Plummer

Topics covered

• life insurance
• tobacco use
• insurance premiums
• medical underwriting
• saving money

Keywords

• life insurance
• tobacco products
• insurance rates
• medical underwriting
• commit to quit

Mentioned in this episode

Organizations: The Annuity Expert

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