• You won’t get automatically rated as a smoker.
  We work with 50+ carriers and know exactly which companies offer non-smoker or Standard Plus rates for vape users.

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• Full access to every major life insurance company.
  Including Protective, Banner, Legal & General, Symetra, Pacific Life, Corebridge, Mutual of Omaha, Nationwide, Lincoln, AuguStar, Thrivent, Principal, Transamerica, Cincinnati Life, Securian, New York Life, and more.

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• We’ve helped hundreds of nicotine users already get approved.
  Zyn, VELO, On!, vape, dip, cigars — LifeStein specializes in nicotine-related underwriting.

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• Fast approvals even if you currently vape every day.
  We match you to the carrier most favorable to your exact type of nicotine use.

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• Private, secure, no exam options available.
  Instant-decision life insurance through Ethos for qualified vape users.

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• You get a real agent (Matt), not a call center.
  Direct cell: (601) 218-7854 — no random reps cycling in and out.

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• 100% online quoting and application process.
  Easy, fast, and built for people who want straightforward answers without a sales pitch.