Carrier Rate Class Information

Premier NT

Celebratory cigar - 4 per month, no nicotine in urine, no MIB or APS or other information to

the contrary. No other use of tobacco is permissible within the past 3 years including

cigarettes, pipes, chewing tobacco, snuff or any nicotine substitutes.

Preferred NT

Celebratory cigar - 4 per month, no nicotine in urine, no MIB or APS or other information to

the contrary. No other use of tobacco is permissible within the past year including

cigarettes, pipes, chewing tobacco, snuff or any nicotine substitutes.

Preferred Plus

No more than 1 cigar per week. Use must be admitted on the application and all case data

must coinside with the degree of usage. No nicotine in the urinalysis and no use of any

tobacco products other than cigars for at least 5 years prior.

Preferred NT

No more than 1 cigar per week. Use must be admitted on the application and all case data

must coinside with the degree of usage. No nicotine in the urinalysis and no use of any

tobacco products other than cigars for at least 3 years prior.

Standard Plus NT

No more than 1 cigar per week. Use must be admitted on the application and all case data

must coinside with the degree of usage. No nicotine in the urinalysis and no use of any

tobacco products other than cigars for at least 2 years prior.

Standard NT

No more than 1 cigar per week. Use must be admitted on the application and all case data

must coinside with the degree of usage. No nicotine in the urinalysis and no use of any

tobacco products other than cigars for at least 1 year prior.

American National

Preferred Plus

Preferred

Standard Plus

No cigar or smokeless tobacco use of no more than 2 per month and negative HOS.

Preferred Nontobacco No more than 2 cigars per year with a negative HOS.

Select Nontobacco No more than 6 cigars per year with a negative HOS.

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Preferred Plus

Preferred NT

Standard Plus NT

Standard NT

One celebratory cigar allowed per month with HOS negative.

Super Preferred NT

Preferred NT

An occasional cigar smoker may qualify if insured smokes 12 cigars or less per year and

HOS is negative.

Standard NTOccasional cigar smoker who have tested positive for nicotine. Nicotine gum as long as no

cigarette smoking within the past 12 months.

Preferred Plus NT Occasional cigar use of up to 12 cigars a year with a negative HOS.

Preferred NT Occasional cigar use of up to 24 cigars a year with a negative HOS.

Standard NTCigar, pipe, nicotine gum or chewing tobacco users who may test positive for nicotine but

excludes cigarette smokers.

Elite NT A celebratory cigar (limited to 4 per year) with negative HOS qualifies.

Preferred NT Cigar, pipe or smokeless tobacco currently using or in the past and a negative HOS.

Pref Select NT 12 or fewer cumulative tobacco uses per year of cigar, pipe, chew, cigarettes and nicotine

surrogates and negative HOS.

Preferred NT

12 - 24 cumulative tobacco uses per year of cigar, pipe, chew, cigarettes and nicotine

surrogates and negative HOS. E-cigarettes - no use of cigarettes or cigars in the past 10

years. Thiocyanate (tobacco combustion marker) is negative. If client meets criteria,

improvement from tobacco to non-tobacco with a one class downgrade.

RISK GUIDE

Tobacco - Cigar, Chew and Pipe Use Guidelines

Accordia

Brighthouse

John Hancock

Lincoln National

American General

Minnesota Life

Ameritas

Carrier Rate Class Information

RISK GUIDE

Tobacco - Cigar, Chew and Pipe Use Guidelines

Accordia

Nationwide Nontobacco PreferredOccasional cigar use no more than one per week or five per month. Must disclose use on

the application and negative HOS.

North American Preferred NT Up to 24 cigars a year is allowed for preferred classification with negative HOS.

Principal Preferred NT Occasional cigar use of 12 or fewer per year and negative HOS.

Select Preferred NTOccasional cigar use of 6 or fewer celebratory cigars. Must admit to usage on the

application and negative HOS.

Preferred NTOccasional cigar use of 12 or fewer celebratory cigars. Must admit to usage on the

application and negative HOS.

Prudential Non-Smoker PlusMay smoke cigars and/or pipe or chew tobacco and can use nicotine gum and test positive

for nicotine. Must admit on application. E-cigarettes may qualify for NS+

SBLI

Preferred Plus Non-Nicotine

Preferred Non-Nicotine

Select Non-Nicotine

Standard Non-Nicotine

Occasional cigar use of 12 or less per year, is fully admitted on the application and current

HOS is negative.

Symetra Preferred Non-Nicotine Occasional cigar use of 2-3 per month. Must admit on application and negative HOS.

Transamerica

Preferred Elite NT

Preferred Plus NT

Select

Preferred NT

Standard Plus

Standard

Occasional cigar use of no more than 1 per month. Must admit on application and negative

HOS.

United of Omaha

Preferred Plus NT

Preferred NT

Standard Plus

Occasional cigar use of no more than 24 per year and negative HOS.

Voya

(formerly ING)

Super Preferred

Preferred NT

Select NT

The occasional use of a cigar/pipe (1 time per week or less) may be disregarded if the

cigar/pipe use is fully admitted on the application and the urine specimen is negative for

cotinine/nicotine.

Updated 05/31/2017

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