Zander maintains an array of life insurance products that offer numerous options for tobacco users. These products can save you money based on the type of tobacco used and frequency of use. We have companies that offer lower “preferred” rates for smokers and special programs with “non-smoker” rates for cigar, pipe and smokeless tobacco use. Many of our competitors simply treat all tobacco users the same eliminating any potential savings but we have companies that offer competitive preferred tobacco. Call 800-356-4282 to request a proposal to compare rates.