As the popularity of Swedish nicotine pouches explodes in America, Zyn unit sales jumped 641% between 2019 and 2022, with another 51% growth projected from 2023 to 2024 (reported by GQ).

This means more of your clients are using Zyn or similar alternative nicotine products, and many don’t realize the impact it can have on life insurance underwriting.

Here’s the story:

 An advisor came to us after another carrier classified their client as a smoker due to Zyn usage, doubling the premium. We reviewed the case and found a carrier that recognized the distinction between smoking and nicotine pouch use, allowing the client to qualify for non-smoker rates.

The result?

 The advisor delivered a better client experience.

 The client saved nearly half on their premium.

Not every carrier treats these cases the same. Knowing someone who understands the nuances can make all the difference.

If your clients are using Zyn or other nicotine alternatives, reach out. We can help find the most appropriate carrier and rating for their situation.

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Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. True Wealth Strategies LLC is not an affiliate or subsidiary of Guardian. CA Insurance License # 4205864.