Tobacco

Tobacco

CARRIER	RISK CLASS	DEFINITION
American General	Preferred Plus	No use for 5 years
	Preferred	No use for 3 years
	Standard Plus	No use for 2 years
	Standard	No use for 1 year
	Occasional cigar use of no more than 1 per week allowed for Preferred Best. Current and past nicotine must be negative for at least 12 months; no use of tobacco products other than cigars for at least 5 yrs.
American National	Preferred Plus	No use for 5 years
	Preferred	No use for 3 years
	Standard Plus	No use for 2 years
	Standard	No use for 1 year
	Occasional cigar use of no more than 2 per month and negative HOS allowed for Preferred Plus.
AVIVA	Premier	No use for 4 years
AVIVA	Preferred	No use for 1 year
AXA	Preferred Elite	No use for 5 years
	Preferred	No use for 3 years
	Standard Plus	No use for 1 year
Genworth	Preferred Best	No use for 5 years
	Preferred	No use for 3 years
	Select	No use for 2 years
	Standard	No use for 1 year
	Occasional cigar use of 12 or less per yr and current nicotine is negative can be considered for Preferred Best.
Guardian	Preferred Plus NT	No tobacco for 48 mos.
	Preferred NT	No tobacco for 24 mos.
	Non Smoker	No cigarettes for 12 mos.
	Standard	Cigarette smoker within the last 12 mos.
ING	Super Preferred	No use for 5 years
	Preferred	No use for 3 years
	Select	No use for 2 years
John Hancock	Super Preferred	No use for 5 years
	Preferred	No use for 2 years
	Standard	No cigarette use for 1 year; other tobacco products ok; no usage restrictions
	Occasional cigar smoker may qualify for Super Preferred NT if smokes less than 12 cigars per year, has not used any other form of tobacco or nicotine products in last 5 years and urinalysis is free of nicotine or its metabolites.
Lincoln Benefit	Preferred Elite	No use for 5 years
	Preferred	No use for 3 years
	Standard Select	No use for 2 years
	Standard	No use for 1 year
Lincoln National	Preferred Plus	No use for 3 years. Occasional cigar use of up to 12 per yr with a urine specimen negative for nicotine.
	Preferred	No use for 2 years. Occasional cigar use of up to 24 per yr with a urine specimen negative for nicotine.
	Standard	No cigarette use for 1 year; other tobacco products ok; no usage restrictions.
MetLife	Elite Plus	No use for 5 years
	Preferred Plus	No use for 5 years. Celebratory cigars (4 per yr) with negative nicotine test qualify.
	Standard Plus	No cigarette smoking or nicotine substitutes in 2 years; alternative forms of tobacco use (cigar, pipe, smokeless tobacco) and urinalysis negative for nicotine allowed.
	Standard	No cigarette smoking or nicotine substitutes in 1 year; alternate forms of tobacco use (cigar, pipe, smokeless tobacco) and urinalysis negative for nicotine allowed.
Nationwide	Preferred Plus	No use for 5 years
	Preferred	No use for 1 year
	Preferred	One celebratory cigar allowed per month with HO specimen negative for cotinine, admitted on app and exam
North American	Super Preferred	No use for 5 years
	Preferred	No use for 3 years
	Standard Plus	No use for 2 years
Protective Life	Select Preferred	No use in 5 years; will allow up to 6 celebratory cigars over past 12 months if admitted on app and current urine specimen is negative for nicotine.
Protective Life	Preferred	No use in 1 year; will allow up to 12 celebratory cigars over past 12 months if admitted on app and current urine specimen is negative for nicotine.
Prudential	Preferred Best	No use for 5 years
	Preferred	No use for 3 years
	Non Smoker Plus	No cigarette use for 1 year; other tobacco products ok; no usage restrictions.
	Non Smoker	No cigarette use for 1 year; other tobacco products ok; no usage restrictions.
Sun	Super Preferred	Ages 18-70 No use for 5 years; Ages 71-85 No use in 10 years
Sun	Preferred	Ages 18-70 No use for 2 years; Ages 71-85 No use in 3 years; occasional cigar usage (no more than 3 per month with negative urinalysis) is now acceptable for Preferred on UL products; must admit on app.
Transamerica	Preferred Plus	No use for 5 years
	Preferred	No use for 2 years; incidental cigar use allowed up to 1 per month and urinalysis is negative for nicotine; must admit on app.
	Standard Plus	Same as Preferred
	Standard	Same as Preferred
Union Central	Preferred Plus	No use for 3 years
	Preferred	No use for 2 years
	Select	No use for 1 year
United of Omaha	Preferred	No use for 3 years
United of Omaha	Occasional cigar usage (no more than 12 per year with negative urinalysis) is now acceptable for both Preferred and Preferred Plus as well as Standard Plus classes.
West Coast Life	Select Preferred	No use in 5 years; occasional cigar use allowed (up to 6 per year) HOS must be negative.
West Coast Life	Preferred	No use for 1 year; occasional cigar use allowed (up to 12 per year) HOS must be negative.

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