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Smokers generally pay higher rates than non-smokers to account for increased risk of cancer, heart disease, and cardiovascular disease. Some insurance companies have very competitive non-smoker policies and others have very competitive policies for smokers. An occasional smoker can sometimes obtain non-smoker rates based on other health considerations. We will work with you to find the insurance company with the most competitive rates to fit your situation.
Below, please find a list of tobacco and nicotine products. Please indicate how recently you have used any of these products.

  • Cigarettes
  • Cigars
  • Pipe
  • Chew or Dip
  • Nicotine Patch
  • Snuff
  • Nicotine Gum
  • Other Nicotine Products

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