Lincoln National - Standard Nonsmoker for Noncigarette Tobacco Users

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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