Tennessee Brokerage Agency can help on "recreational" tobacco cases by giving you immediate recommendations and access to Preferred Best non-tobacco rates on Universal Life policies.

For example:

•	Cigarette smokers - Nonsmoker rates for 3 years
•	Cigar smokers - Preferred Best Nonsmoker rates available for some
•	Chewing tobacco or Nicorette users - Nonsmoker Plus rates available

Whatever your client's preferred nicotine addiction, we've got better rates that make it much easier for you to close the sale.

This includes cigars, pipes, chew, dip, cigarettes, and even Nicorette gum, nicotine patches and lozenges. Make your clients happy and they might just buy you a cigar.

For your FREE Tobacco Usage Guidelines from TBA, simply complete the form to the right today.

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