Everyone here in the deep South knows a lot of friends and family who may fit the following criteria:

Occasional Celebratory Cigar – ISG has Preferred Best Nonsmoker rates available!
Example: Male age 50, no more than 12 cigars per year and specimen is negative.
$1,000,000 of 20 Year level term – $134.30 / month!
Occasional Smokeless tobacco use, such as when playing golf or hunting / fishing (no more than 24 times per year). ISG has up to Preferred Best Nonsmoker rates available!
Example: Male age 40, dips no more than 24 times per year and specimen is negative.
$500,000 of 30 Year level term – $54.86 / month!
Dips smokeless tobacco every day, and even has a “Skoal Ring” in this back pocket, and won’t even spit his dip out when the paramed nurse is doing his exam / lab work – ISG has Nonsmoker Plus rates available!
Example: Male age 30, daily smokeless tobacco user and nicotine is positive in his specimen.
$500,000 of 30 Year level term – $29.92 / month!

The point is that you have lots of prospects to call right now about life insurance. Most insurance companies rate this a SMOKER class.  If they have Smoker rates on their current life insurance, or they are waiting around until they quit using tobacco to apply for life insurance, now is the time to call them with the good news! Reach out to your ISG Sales team with any prospects that fit this criteria and we’ll surprise you with how great the rates look!