Smokers Life Insurance
For smokers buying life insurance can be frustrating. All life insurance companies but a select few will quote smoker rates regardless if you smoke cigarettes, cigars, chew tobacco, or nicorette gum etc. The few life insurance companies that will offer non-smoker rates to alternate tobacco users other than cigarettes can save you 50%-100% in cost. Another that will do the same for light cigarette smokers. Some are aggressive to the extent where Preferred Plus and Preferred non-smoker rates are available as long as you medically quality. It is important to deal with an agent that is aware of the different outlets for economic reasons as pointed out. For light cigarette smokers, there is a life insurance companies that will offer a non-smoker rate. This is extremely competitive to the extent no other carrier will consider this. This is a great opportunity for those of you who smoker on occasion.
The life insurance industry views your health habits as a key factor in determining your cardiovascular risk. Doctors have long known that smoking promotes heart disease, but for a long time smoking didn't appear to have a direct connection to hypertension. The key in buying and shopping for term life insurance for smokers is to work with an agent that isn't just churning out quotes quickly. Rather one that works with you and all of the top life insurance companies to find the best possibe rates for your unique situation, including smoking and any other health conditions. Please fill out the short form below and one of our agents will work with you to find life insurance quotes that meet your needs and goals.
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