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Smokers

We have low rates available for all smokers.

Discounted rates are available for occasional tobacco and cigar users.

- Best Rates For Smokers -

RubyGold...The Lowest Rates for Life Insurance

How can we get smokers better rates? We work with many companies that exclusively cater to the smoking population of this country. Also remember that not all companies rate smokers in the same way.

Smoke tobacco click here
Smoke cigar click here
Smoke less tobacco click here
Have you quit smoking? click here
Trying to quit smoking? click here

Learn more now, please click here.


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Occasional smoker rates available, discount for minimum tobacco and smoke use. For Preferred smoker rates click here



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RubyGold Financial specializes in the Insurance, and Planning Services of: Life Insurance, Long Term Care Insurance, Family Planning, Term Life Insurance, Whole Life, Annuities, IRA, Retirement Planning, Smoker Life Insurance, Disability Income Insurance, High Risk Life Insurance, Mortgage Insurance, Indexed Annuities, Universal Life, Fixed Annuities, 412i, 401 (k), Business Planning, Indexed Life
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