Smokers

Our Advantage Plus Participating Whole Life1 and Non-Par Whole Life products come with a Quit Smoking Incentive Plan. Smokers automatically receive lower rates for the first two years of their certificate. And if they quit within this time period,those lower premiums can continue.  It’s a powerful incentive to stop smoking, giving you the chance to potentially save thousands of dollars as well as live a healthier lifestyle. Depending on the product and premium payment period you chose, the savings could apply to up to 20% of your total premiums even if you decide not to quit. 

is a 35-year-old male smoker looking for affordable permanent protection. He

purchases Advantage Plus with $150,000 of coverage. He selects the Enhanced Insurance Dividend Option and a premium payment period of 10 years. In the first two years with the Quit Smoking Incentive Plan he saves $1,875.94 compared to standard smoker rates.

s a 42-year-old female smoker. She purchases Non-Par Whole Life with $175,000 of coverage and a premium payment period of 20 years. In the first two years with the Quit Smoking Incentive Plan she saves $2,1774 compared to standard smoker rates. 

Those savings continue if Lee and Marlo successfully quit smoking within two years.

Many people probably wonder whether they can still get life insurance if they smoke. Generally speaking, smokers may still qualify for coverage, but their premiums tend to be higher than those of a non-smoker. We offer a compelling incentive to quit smoking and never look back. 

The potential benefits to quitting smoking can be enormous. From a health standpoint, a person may see immediate results, as they cough less and their blood pressure returns to normal. In addition, as the years go by, quitting smoking reduces the risk of lung cancer, heart disease, and stroke. Smoking cessation may also save an individual a significant amount of money, both on tobacco products as well as on home and insurance premiums.

There are a number of possible methods for quitting smoking, varying in cost as well as potential side effects. Some of the most effective tools currently are: 

• A combination of counseling (in-person or by telephone) plus medication
• Varenicline 
• Nicotine patch 
• Nicotine gum 

Other potential smoking cessation aids include self-help books, a nicotine inhaler, as well as nicotine lozenges.

Many smokers find quitting smoking to be difficult on a number of levels. Common challenges include: 

• Stress
• Nicotine withdrawal 
• Weight gain and increased appetite 
• Cravings and triggers
• Mood swings

Fortunately, these obstacles can be overcome. Depending on the challenges a person is experiencing, they may wish to consult a healthcare professional, join a support group, or engage in physical exercise. Also, check out Celebrate Recovery in the Resources section.