Written by Matt on March 1, 2010 – 8:36 am
Special considerations for non-cigarette tobacco-using clients
Do any of your clients suffer from high life insurance premiums simply because they enjoy cigars or pipes? Lincoln‘s dedicated customer-focused underwriting takes a client’s entire risk profile into account.
Lincoln offers the standard nonsmoker risk classification to tobacco-using individuals who
- Meet all standard criteria and other criteria described in underwriting guidelines
- Use chewing tobacco, pipe, or cigars
- May test positive for nicotine by urine sample
- Have not used cigarettes in the past 12 months
Continue reading for full details on this exciting underwriting program!
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