Life Insurance for Smokers

If you are shopping for life insurance and you smoke, then be prepared to pay about twice as much for life insurance coverage than a non-smoker. The main reason for this is that smokers often have other health problems and statistics show that the life expectancy of smokers is shorter than non-smokers.

It’s not just a matter of whether you smoke or not. Life insurance companies will take into account many different variable to determine what rate you pay. Some examples are:

  • Your nicotine use
  • Your history of use
  • Other tobacco use
  • Frequency of use

Some life insurance companies have better rates for smokers than other companies, so it’s important to work with an experienced agent who is familiar with the underwriting requirements for smokers. Be sure to be upfront with your agent about your smoking habits so they can help you find the best rate for your smoking situation. By doing a little bit of comparison shopping, you can save yourself hundreds or even thousands of dollars over the life of your policy.

The first step is to shop around and compare rates from several carriers. Get a free quote online and compare multiple smokers life insurance policies from top rated companies. If you have some questions about what type of coverage you need, or if you want to obtain rates over the phone, you can call 1-877-801-4402 to speak with an experienced insurance professional.

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