Finally, life insurance rates based on what you smoke and how much you smoke rather than simply if you smoke. For many years, life insurance rates fell into two basic categories: you use tobacco products or you don't use. And if you were a tobacco user of any kind, you could expect to pay almost twice as much (or more) as non-tobacco users. There was no distinction between cigars, pipes, chewers or cigarettes.

Today, insurance companies affiliated with Life Insurance SOS realize that not all smokers deserve the same treatment … i.e. cigar smokers do not present the same health risks as cigarette smokers, nor do "social" cigarette smokers present the same health risks as a pack-per-day cigarette smoker.

At Life Insurance SOS, through our affiliated companies we offer the industry's best rates for all tobacco users. Whether it's cigars, pipes, chew or cigarettes, you are assured of getting the lowest rates in the industry.

In fact, users of cigars, pipes and chewing tobacco can qualify for Preferred Non-Smoker rates … now that's the Smoker's Advantage.

Example of Savings:
Male Age 45

Excellent Health
$500,000 10 Year Guaranteed Level Term

Cigar smoker, maximum 4 cigars per month:  $360.00 per year

Cigar smoker, unlimited cigar smoking:          $745.00 per year

Pipe smoker, unlimited:                                $745.00 per year