Life Insurance for Tobacco Users in Erie, PA
If you’re a tobacco user, you’ve probably heard that getting life insurance is expensive — or even impossible. At D.R. Wolf Agency in Erie, PA, we know better. While some providers raise premiums or deny coverage altogether, we specialize in helping tobacco users find affordable life insurance options without judgment or unnecessary hoops.
We specialize in helping tobacco users cigar, pipe, chewing tobacco, vaping, and even marijuana users access non tobacco life insurance rates. Many top tier carriers offer standard non smoker rates to occasional users, depending on usage and health history. Even medical marijuana users may qualify for non smoker pricing under certain conditions. This can cut premiums nearly in half or double your coverage.
- Not all tobacco users are treated equally.
- Occasional cigar, vape, marijuana use may still qualify for non smoker rates.
- Some insurers are more flexible.
We believe everyone deserves access to coverage that protects their loved ones, no matter their lifestyle.
What Counts as a Tobacco User?
Insurance companies may classify you as a tobacco user if you:
- Smoke cigarettes, cigars, or pipes.
- Use chewing tobacco or snuff.
- Vape or use e-cigarettes.
- Occasionally smoke socially.
Even if you're a casual user, you may still fall into the "tobacco rating" category — but that doesn’t mean you're out of options.
How We Help Tobacco Users Find Coverage
At D.R. Wolf Agency, we work with a broad network of insurance carriers to:
- Compare policies across multiple providers.
- Identify insurers with flexible guidelines for tobacco users.
- Secure term and whole life coverage based on your budget and goals.
- Help improve future rates by exploring reclassification options after lifestyle changes.
Life Happens. Insurance Should Too.
You’re not alone — millions of Americans use tobacco products, and many of them are insured. We don’t see tobacco use as a disqualifier. We see it as a detail that just requires smarter planning and personalized options.
Whether you're looking to protect your family, secure your estate, or meet financial obligations, we're here to make insurance accessible and achievable.
Speak With Someone Who Gets It
You deserve an agent who listens, not lectures. At D.R. Wolf Agency, we’re here to answer your questions and guide you through your options with honesty and respect.
Contact Us
Call
814-879-0942 or email
ditermlifeguy@gmail.com today to explore life insurance solutions designed specifically for tobacco users in Erie, PA.
Find insurance tailored to tobacco users. Call 814-879-0942.