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Q: How Long Do I Need To Be A Non-Smoker To Qualify For Better Rates?

2015 January 16

A  Insurance companies typically only require that you go tobacco free for 12 months before offering a non-tobacco use rate. This is not their lowest Preferred Plus rate but still represents a strong savings off of the smoker rates.  If you have not quit a full year it really depends on the time you have left to reach this accomplishment.  Dave still recommends buying the longer term period, which is more expensive, but just for the one year,.  It locks in your rates at a younger age and is still beneficial in the event you do not complete the entire 12 month period.  If at 12 months you are tobacco free then you apply for a new non-smoker plan and benefit from the lower rates.  At the three year point then you can qualify for Preferred Plus (lowest rate) assuming all other health issues are normal and a further savings can be achieved.  It is simply Dave’s advice that you get what your family needs now since we can’t predict the future and then adjust as things improve.   You can compare rates online at our website or call us toll free at (800) 356-4282 for personal assistance.