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David Gordon

Best Life Insurance for Cigar Spokers

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He is in good health 33 years old. 6"3" 285 lbs and smokes 1 cigar a month. Looking for a 20 year $250,000 term. Can you direct me to a company and tell me how to get appointed? 

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https://www.naaip.org/john-hancock-insurance is your best bet as they are among the least expensive for his height and weight whether or not you choose Vitality and he can smoke as many cigars as he wants and still be considered non-smoker.

in our iPipeline tool at the bottom of www.naaip.org and all subpages - There is an underwriting tools in Term and UL Quotes and submissions - iPipeline. www.naaip.org/banner-life looks good but based on client be able to smoke many cigars JH is best. 

With JH you would register for the eticket and login in the NAAIP back office and submit the sale. There is a decent chance it will be accelerated underwriting as well. 

https://www.naaip.org/john-hancock-life-expresstrack-2-pages-1.pdf

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