Do you vape? Use E-cigarettes? Cigars? Chew? Recreational or Medical Marijuana?  For many insurance companies, the use of any of the above would at best get you a Tobacco or Smoker rate for Life Insurance. This rate could be 2-3 times the cost of a Non Tobacco rate.  Marijuana use could easily get you declined with no options at all.  A few insurance companies have moderated their position on alternate tobacco and marijuana use.  In many cases, Big Lou can get you qualified for Non Tobacco rates even if you Vape, smoke E-Cigarettes, Cigar, or use Chewing Tobacco.  Marijuana use, with some restrictions, can also qualify for Non Tobacco rates.  The only way to know which insurance company is the best for you is to talk to Big Lou or his little sister, Mary Jane.  They are both intimately familiar with the use of these products and with access to over 40 of the Best Life Insurance Companies, can help navigate you to the lowest rate possible.

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If you have applied in the last few years and are paying Tobacco Use rates for any of the above you really need to give Big Lou a shot at saving you some big money. If you need to lose weight or have issues with Diabetes, our nutrition app and weight loss plan can get you Big Lou Fit as well. 

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