Nonsmoker Rates for Smokers, Tokers and Vapers

If you have clients who use marijuana, e-cigarettes, or even smoke occasionally, we can get nonsmoker rates for you!


45 year-old male, in good health for 1 million dollars of 20-year term preferred smoker, rates are over 350 dollars/month, but one of the following is the cause for smoker rates:

· Uses marijuana recreationally on weekends: Preferred-nontobacco rates available at less than 115 dollars/month

· Current occasional cigarette smoker: Best-class nontobacco rates available at less than 100 dollars/month

· Uses daily e-cigarette after quitting cigarettes 12 months ago: Standard-plus nonsmoker rates available at less than 175 dollars/month

Email Eric your case details here, or call (801) 826-3929.

We’d love to help you solve your toughest cases!

Layne Turner