Minn Life / Non-Combustible Tobacco Program Posted on February 12, 2013 by Tim in Blog, Health Impairments, Insurance News, Life Insurance Sales Ideas Minn Life / Non-Combustible Tobacco Program Based on R&D and the ability to test for a marker of tobacco combustion, we can improve ratings for clients who use non-combustible tobacco, including chewing tobacco and snuff. To qualify for this mortality credit program, a client must meet the following: Non-combustible tobacco use such as chewing tobacco and snuff only. No use of cigarettes or cigars in the past 10 years. Thiocyanate (tobacco combustion marker) is negative. If client meets all of the criteria above, we will improve from tobacco to non-tobacco rates but assess a one class downgrade: Preferred Tobacco to Standard Non-Tobacco. Standard Tobacco to table B Non-Tobacco. Table B Tobacco to table C Non-Tobacco. Examples Male, 45 years old, qualifies for Preferred Tobacco rates: Uses two tins of chewing tobacco per week but hasn’t used cigarettes in 20 years. Lab tests confirm positive nicotine marker but negative thiocyanate marker. Rating improvement: Preferred Tobacco rates change to Standard Non-Tobacco. Female, 28 years old, qualifies for Standard Tobacco rates: Uses chewing tobacco every other day but has never used cigarettes. Lab tests confirm positive nicotine marker but negative thiocyanate marker. Rating improvement: Standard Tobacco rates change to table B Non-Tobacco.