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LATEST SMOKER / NON-SMOKER GUIDELINES
Here
are the latest rules
As of 11/2007) (Subject
to change)
AIG
US
LIFE
| Preferred Plus Non-Tobacco |
No Tobacco for 5 Years |
| Preferred Non-Tobacco |
No Tobacco for 3 Years |
| Standard Plus |
No Tobacco for 2 Years |
| Standard Non-Tobacco |
No Tobacco for 1 Year |
Occasional Cigar Smokers may qualify for Preferred Plus Non-Smoker rates.
No
more than 1 Cigar per week.
No nicotine present in the
urinaalysis.
No other use of tobacco for at least 5 years.
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BANKERS LIFE of NY
INDIANAPOLIS LIFE
| Preferred Plus |
No Nicotine for 48 months |
| Preferred Non-Tobacco |
No Nicotine for 12 months |
| Standard Non-Tobacco |
No Nicotine for 12 months |
|
No more than 2
cigars/month with Negative Urinalysis may qualify for Preferred
Non-Tobacco
|
GENWORTH COMPANIES
| Preferred Best |
No Nicotine for 5 years |
| Preferred No-Nicotine |
No Nicotine for 3 years |
| Select No-Nicotine |
No Nicotine for 2 years |
| Standard Plus & Standard No-Nicotine |
No Nicotine for 12 months |
|
One
cigar per month with Negative Urinalysis may qualify for Preferred
or Preferred Best. Current Nicotine Test Must Be Negative. |
ING RELIASTAR
| Super Preferred Non-Smoker |
No Nicotine in any form for 5 Years |
| Preferred Non-Smoker |
No Nicotine in any form for 3 Years |
| Select Non-Smoker |
No Nicotine in any form for 2 Years |
| Standard Non-Smoker |
No Nicotine in any form for 1 Year |
|
One
cigar per month with Negative Urinalysis may qualify for Preferred
(UL only, NOT for Term)
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JOHN
HANCOCK
| Super Preferred Non-Smoker |
No Nicotine in any form for 5 Years |
| Preferred Non-Smoker
A |
No Nicotine in any form for 2 Years |
| Standard & Std Plus Non-Smoker
B |
No Nicotine in any form for 1 Year |
| A
Occasional cigar smoker (12 or less per year) may qualify) |
| B
Occasional cigar smoker (24 or less per
year) may qualify) |
LINCOLN FINANCIAL GROUP
| Super Preferred Non-Smoker |
No Nicotine in any form for 5 Years |
| Preferred Non-Smoker |
No Nicotine in any form for 3 Years |
| Standard Non-Smoker |
No Nicotine in any form for 3 Years |
METLIFE
| Elite Plus |
No Nicotine in any form for 5 years |
| Preferred Plus |
No Nicotine in any form for 5 years |
| Preferred & Standard Plus |
No Nicotine in any form for 2 years |
| Standard No-Nicotine |
No Nicotine in any form for 1 year |
|
Four
cigars per year with Negative Urinalysis may qualify for Preferred
Plus (not Elite Plus) Current Nicotine Test Must Be Negative. |
NORTH
AMERICAN
| Preferred Non-Tobacco |
No Nicotine use for 36 months |
| Standard Non-Tobacco Plus |
No Nicotine use for 12 months |
No more than 2
cigars/month with Negative Urinalysis may qualify for
Preferred
Non-Tobacco |
PROTECTIVE
LIFE
WEST COAST LIFE
| Super Preferred Non-Nicotine |
No Nicotine Use at All for 3 years |
| Preferred Non-Nicotine |
No Nicotine Use at all for 1 year |
| Standard Non-Nicotine |
No Nicotine Use at all for 1 year |
|
Any
Tobacco Use is classified as:
Smoker
|
PRUDENTIAL
| Preferred Best Non-Smoker |
No Nicotine in any form for 5 Years |
| Preferred Plus Non-Smoker |
No Nicotine in any form for 3 Years |
| Preferred Non-Smoker * |
No Cigarettes for 1 Year |
| Standard Non-Smoker * |
No Cigarettes for 1 Year |
| Preferred and Standard
May Smoke Cigars, Pipes, or Chew Tobacco |
UNION
CENTRAL
| Preferred Plus Non-Tobacco |
No Tobacco for 3 Years |
| Preferred Non-Tobacco |
No Tobacco for 2 Years |
| Standard |
No Tobacco for 1Year |
| No more than 2
cigars/month with Negative Urinalysis may qualify for Standard Non-Tobacco
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WILLIAM PENN
BANNER LIFE
| Preferred Plus Non-Smoker |
No Nicotine Use for 36 months |
| Preferred Non-Smoker |
No Nicotine use for 24 months |
| Standard Plus & Standard Non-Smoker |
No Nicotine use for 12 months |
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Any
Tobacco Use is classified as:
Smoker
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