Non smoker Plus rates for Prudential no cigarettes within the last 12 months, may smoke cigars, pipe or chew tobacco, nicotine patch, nicorette gum
John Hancock: “Protection UL” Quit Smoking Incentive: receive standard non smoker rates first three policy years, with satisfactory evidence quit smoking for 12 months during those years receive permanent reclassification of standard non smoker
Preferred Plus: No Tobacco for 3 years
Banner Life
Lincoln National
North American (ages 70 and under)
Aviva (permanent products)
Axa/Equitable (permanent products)
Preferred Non-Tobacco: No Tobacco for 1 year
Nationwide
Principal
Symetra
Preferred Non-Tobacco: No Tobacco for 2 years
Banner Life
John Hancock
Lincoln National
North American (ages 70 and under)
Protective Life
Transamerica
Standard Plus: No Tobacco for 1 year
American General
last revised: 5/21/2013, accuracy or completeness not guaranteed; please check with company for full details, terms and conditions may vary