Preferred rates after 1 year nicotine-free?

[Fisher]

Is there an A-rated company that will offer Preferred Non-tobacco for an ex-vaper who last vaped a little over a year ago? North American is 5 years for Preferred and ANICO is 2 years. Great build and health except for the nicotine history.

Looking for a GUL with living benefits.

 

[Tahoe Ray]

Is there an A-rated company that will offer Preferred Non-tobacco for an ex-vaper who last vaped a little over a year ago? North American is 5 years for Preferred and ANICO is 2 years. Great build and health except for the nicotine history.

Looking for a GUL with living benefits.

Securian will do it after 1 year and has a guaranteed (to 120) IUL.

They also have chronic/terminal riders. The chronic is a true LTC rider too.

 

[Fisher]

Thanks Ray.