Nicotine Life Insurance

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Date of Birth :	(mm/dd/yyyy)	Over 140 A+ Rated Companies
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Nicotine Use Associated Guidelines

Nicotine Use Associated Guidelines:

As you might expect, nicotine users are subject to more stringent underwritng guidelines as well as higher rates. Of the nicotine users that smoke cigarettes that apply, about 40% will fall into the preferred tobacco category while 50% will receive standard rates. 10% will receive substandard rates. Some people may use nicotine, such as cigars, pipes, or chewing tobacco and can receive a special classification from certain insurance companies: "Tobacco - No cigarettes".It is important to keep in mind that these are general figures and it can vary slightly from company to company. Also, their are other issues that affect underwriting that can not be expressed in a chart.

CATEGORY	TOBACCO - NO CIGARETTES	PREFERRED TOBACCO	STANDARD TOBACCO
Nicotine Use	Use of tobacco products other than cigarettes (i.e. pipe/cigar smoking), is acceptable	Any usage of nicotine	Any usage of nicotine
Cholesterol Cholesterol/HDL Ratio	Can not exceed 230 Less than 6.5	Can not exceed 230 Less than 6.5	Can not exceed 280 Less than 7.5
Blood Pressure Blood Pressure Reading	No history of blood pressure treatment Current and past amounts of less than: 140/85 - ages18-60 150/90 - ages 61 & over	A history of blood pressure treatment will depend on severity Current and past amounts of less than: 150/90 - ages 18-60 154/90 - ages 61 & over	Blood pressure treatment may be acceptable if controlled Average levels in the past 2 years of less than: 150/90 - ages 18-45 155/95 - ages 61 & over
Cancer History	No cancer history allowed (except basal cell carcinoma)	No cancer history allowed (except basal cell carcinoma)	A history of cancer may or may not be acceptable
Family History	No cardiovascular/ cancer death of any parent or sibling before age 60	No cardiovascular/ cancer death of any parent or sibling before age 60	No more than 1 cardiovascular or cancer death of parents before age 60
Driving Record	No more than 1 moving violation in the past 2 years. No record of DUI or reckless driving	No more than 1 moving violation in the past 2 years. No record of DUI or reckless driving in the past 5 years	No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving in the past 2 years
Alcohol and Substance Abuse	No history of alcohol or substance abuse	No history of alcohol or substance abuse	No alcohol or substance abuse in the past 7 years
Mental Illness/ Depression	No history of mental illness or depression	No history of mental illness or depression	A history of mental illness or depression may or may not be acceptable
Personal History	No personal history of any health conditions including but not limited to: cancer or melanoma, heart or vascular disease, diabetes, disorder of lungs, liver, kidney or mental/nervous disorder, seizure disorder, rheumatoid arthritis, stroke, gastric/diveptic ulcer, ulcerative colitus and asthma	No personal history of any health conditions including but not limited to: cancer or melanoma, heart or vascular disease, diabetes, disorder of lungs, liver, kidney or mental/nervous disorder, seizure disorder, rheumatoid arthritis, stroke, gastric/diveptic ulcer, ulcerative colitus and asthma	Can have personal history of certain diseases
Avocation	May participate in some hazardous activities (e.g., powered vehicle racing, hang-gliding, ultralight, skydiving, mountain climbing, rodeos or scuba diving) within the past two years	May participate in some hazardous activities (e.g., powered vehicle racing, hang-gliding, ultralight, skydiving, mountain climbing, rodeos or scuba diving) within the past two years	May participate in some hazardous activities (e.g., powered vehicle racing, hang-gliding, ultralight, skydiving, mountain climbing, rodeos or scuba diving) within the past two years

Height/Weight

CATEGORY	TOBACCO - NO CIGARETTES	PREFERRED TOBACCO	STANDARD TOBACCO
	Male or Female	Male or Female	Male or Female
5'0"	160	161	189
5'1"	165	165	193
5'2"	170	170	197
5'3"	175	175	204
5'4"	180	180	209
5'5"	185	185	215
5'6"	190	190	220
5'7"	195	195	225
5'8"	200	200	230
5'9"	205	205	235
5'10"	212	210	242
5'11"	217	216	251
6'0"	224	222	256
6'1"	232	229	263
6'2"	237	236	271
6'3"	242	243	279
6'4"	248	250	286
6'5"	254	257	293
6'6"	260	264	300
6'7"	266	272	307
6'8"	272	280	316
6'9"	279	288	325
6'10"	285	296	333
6'11"	291	305	341