United of Omaha Life Insurance Underwriting Considerations for Tobacco/Nicotine
Understanding how life insurance carriers determine your final rating class is a complicated business. Many factors are taken into consideration, including your use of tobacco or nicotine products. This is not limited to cigarettes but also cigars, pipes, chew/dip, even nicotine gum and nicotine patches. Not only does the type of tobacco product factor in, but also how frequently you are using it. When you are an active user of these products a higher premium amount can be a result as they can have a negative impact on your overall health.
As of today, if you have stopped using tobacco or nicotine products for at least 3 years, you may be eligible for United of Omaha’s best non-tobacco life insurance rate class available. Quit at least a year ago? You can be considered for a standard non-tobacco class in many instances.
At Pivot we realize that the amount of information required to determine your final rate class can be overwhelming. We are here to help you navigate the rate class determination by making this process as easy as possible for you. Please do not hesitate to contact us for further details.
The information above is subject to change & urinalysis results must be negative for nicotine to qualify for non-tobacco life insurance policy rates.