2 Years,

You must be nicotine-free (cigarette, pipes, snuff, chewing tobacco, patch, gum, vaping, e-cigarettes, etc.) for 2 years to get a non-smoker rating.

If you bound your policy with a tobacco rating, then we can easily place you back into underwriting during the anniversary date of your policy after you have been tobacco-free for two years. 

We have found that, for most clients, the process to apply for a better rating is so simple that the benefits of the policy (even if it’s tobacco rated) far outweigh not having your #1 Asset protected.