There is also a yes or no smoking question, although it doesn’t specifically ask about marijuana. The online quote system asks fundamental questions about health, including height and weight, whether you take any prescription meds, and if you have been treated for certain conditions like cancer, diabetes, heart disease, or depression. (Rates may vary based on location.) You can find online quotes on the Prudential website, but you will need to purchase through a local agent. The same policy for a male comes in at about $175. Sample costs for a 40-year-old female, on a 20-year term policy for $250,000, would be around $140 per month. Prudential offers term, variable, and guaranteed universal life insurance. If someone only smokes a few times per month, they may qualify for non-smoker rates, which makes Prudential our choice for best for people who smoke marijuana. However, Prudential has progressive underwriting that may cover recreational and medical marijuana users. Many life insurance providers may not cover people who smoke marijuana or place them in higher-cost categories. Policies may be pricier than other providers You can renew to age 95.ĪIG has an AM Best rating of A (Excellent). People aged 18 to 80 can buy an AIG term life insurance of 10, 15, 20, or 35 years for $50,000 or more in coverage. However, they do mention that they will work with you to find a competitively priced life insurance policy and may be able to find a non-smoker rate depending on the nature of your tobacco usage. The company does not state what they consider frequent tobacco use. They also state that marijuana use probably won’t disqualify you from purchasing life insurance, but the amount you consume will determine how much you’ll pay.
You may need a medical exam for an AIG life insurance policy, which may include a physical exam, questions about your medical history, measurements of your height, weight, blood pressure, and pulse, and urine and blood tests.ĪIG states that tobacco use may adversely affect your premium rate however, it will not be determined solely on your tobacco use but rather an overall picture of your health. (Note that rates may vary based on location). The same policy for a man costs around $150 per month. Using the online quote system and answering a few questions about family medical history and general health, we learned a sample monthly cost for a female cigar smoker of fewer than 12 each year, in their 40s in general good health, would be around $110 per month for a 20-year policy with a $500,000 death benefit. AIG may be able to offer you a competitive life insurance rate for your personal situation, depending on how often you smoke cigars. However, cigar smoking and cigarette smoking are not necessarily considered equal. People who smoke cigars may be concerned that their life insurance policy will cost more because of their smoking habit. AIG offers a portfolio of life insurance products, including permanent and term life insurance policies. They are a leading global insurance provider operating in 80 countries and across the United States. The American International Group (AIG) offers its life insurance policies through the American General Life Insurance Company. Mutual of Omaha has an AM Best rating of A+ (Superior). Clients have a range of purchasing options including online, over the phone, or through a local agent. Mutual of Omaha offers a competitive portfolio of insurance products, including permanent and term life insurance. For example, the Guaranteed Whole Life policy offers guaranteed coverage up to $25,000 with no medical exam, and tobacco use and health history are not factored into the pricing. You may be required to have a medical exam depending on the life insurance policy you choose. (Keep in mind that rates vary by location). The rate for a male smoker increases to around $150 for a male smoker.
Prices on the online quotation portal are around $100 per month for a 20-year policy with a $500,000 death benefit for a female smoker. If you are between the age of 18 and 80, you can buy a term life insurance policy of 10, 15, 20, or 30 years, starting at $100,000 coverage. However, Mutual of Omaha does not always take someone’s smoking, vaping, or tobacco chewing into consideration when qualifying them for a life insurance policy, making them our overall top pick for life insurance for people who smoke. Many insurance providers automatically classify tobacco users in a more expensive pricing range than non-smokers.
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