Did you know that you can qualify as a non-smoker in the eyes of the insurer once you’ve gone 12 months without any form of tobacco or nicotine products?

Yes, it’s true. Once you’re smoke-free for 12 months, some insurance companies may consider you a non-smoker when purchasing life insurance. However, smoking even one cigarette will disqualify you from getting non-smoker rates. Make sure you’re honest when filling out an application, as your insurance company can deny coverage if it is discovered that you smoke but have stated that you do not.

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