Get smoker rates refunded!

To qualify as a non smoker, the proposed insured must not have used any tobacco, nicotine, or marijuana products in the 12 months preceding the application. With Equitable Life, if you quit smoking for at least 12 months, within the first two years of your policy issue date, Equitable Life will refund the difference between smoker and non-smoker rates. If you have a policy with another insurance company, you may be eligible to reduce premiums to non-smoker rates if you have not smoked for more then 12 months. Ask your Alliance Financial Representative for more information.