Carrier Rate Class Information Premier NT Celebratory cigar - 4 per month, no nicotine in urine, no MIB or APS or other information to the contrary. No other use of tobacco is permissible within the past 3 years including cigarettes, pipes, chewing tobacco, snuff or any nicotine substitutes. Preferred NT Celebratory cigar - 4 per month, no nicotine in urine, no MIB or APS or other information to the contrary. No other use of tobacco is permissible within the past year including cigarettes, pipes, chewing tobacco, snuff or any nicotine substitutes. Preferred Plus No more than 1 cigar per week. Use must be admitted on the application and all case data must coinside with the degree of usage. No nicotine in the urinalysis and no use of any tobacco products other than cigars for at least 5 years prior. Preferred NT No more than 1 cigar per week. Use must be admitted on the application and all case data must coinside with the degree of usage. No nicotine in the urinalysis and no use of any tobacco products other than cigars for at least 3 years prior. Standard Plus NT No more than 1 cigar per week. Use must be admitted on the application and all case data must coinside with the degree of usage. No nicotine in the urinalysis and no use of any tobacco products other than cigars for at least 2 years prior. Standard NT No more than 1 cigar per week. Use must be admitted on the application and all case data must coinside with the degree of usage. No nicotine in the urinalysis and no use of any tobacco products other than cigars for at least 1 year prior. American National Preferred Plus Preferred Standard Plus No cigar or smokeless tobacco use of no more than 2 per month and negative HOS. Preferred Nontobacco No more than 2 cigars per year with a negative HOS. Select Nontobacco No more than 6 cigars per year with a negative HOS. Banner Preferred Plus Preferred NT Standard Plus NT Standard NT One celebratory cigar allowed per month with HOS negative. Super Preferred NT Preferred NT An occasional cigar smoker may qualify if insured smokes 12 cigars or less per year and HOS is negative. Standard NT Occasional cigar smoker who have tested positive for nicotine. Nicotine gum as long as no cigarette smoking within the past 12 months. Preferred Plus NT Occasional cigar use of up to 12 cigars a year with a negative HOS. Preferred NT Occasional cigar use of up to 24 cigars a year with a negative HOS. Standard NT Cigar, pipe, nicotine gum or chewing tobacco users who may test positive for nicotine but excludes cigarette smokers. Elite NT A celebratory cigar (limited to 4 per year) with negative HOS qualifies. Preferred NT Cigar, pipe or smokeless tobacco currently using or in the past and a negative HOS. Pref Select NT 12 or fewer cumulative tobacco uses per year of cigar, pipe, chew, cigarettes and nicotine surrogates and negative HOS. Preferred NT 12 - 24 cumulative tobacco uses per year of cigar, pipe, chew, cigarettes and nicotine surrogates and negative HOS. E-cigarettes - no use of cigarettes or cigars in the past 10 years. Thiocyanate (tobacco combustion marker) is negative. If client meets criteria, improvement from tobacco to non-tobacco with a one class downgrade. RISK GUIDE Tobacco - Cigar, Chew and Pipe Use Guidelines Accordia Brighthouse John Hancock Lincoln National American General Minnesota Life Ameritas