How To Find The Most Affordable Smoker Premiums?

Smoking is an expensive habit, especially if you need life insurance. Since smoking is linked to numerous fatal diseases, companies will charge smokers more for a plan. However, it is possible to get life insurance at affordable rates. Do not give up searching for life insurance if you are a smoker because your family may depend on it someday.

What is a smoker?

Man-SmokingFrom an agency’s point of view a smoker is someone who has used tobacco products in the last 12 months. Tobacco products are: cigarettes, cigars, chewing tobacco, nicotine patches, pipe tobacco etc.

How does smoking affect your rates?

Smoking will always increase your life insurance rates. However, just by simply being a   smoker, you will not be disqualified from getting coverage. If you have a pre-existing condition, you can apply for life insurance no medical exam. The underwriting process is simple and you will not have to take physicals. This will increase your eligibility.

How to find affordable life insurance premiums if you are a smoker:

  • Search for quotes. Searching for quotes is the best way to find cheaper premiums. Compare different offers from agencies in the country. You need to search for plans that offer the same coverage, but look for the ones that have the lowest rates.
  • Find the right provider. All companies will charge you extra if you smoke, but there are some providers who have policies for smokers. These policies have lower prices and offer better coverage.
  • Talk with an insurance agent. Finding the right provider can be done with the help of an insurance broker. However, make sure you choose an independent one for an objective opinion. It is worth investing time in discussing your case with an insurance agent. They have important contacts which will help you find cheaper life insurance rates.
  • Improve your health. Smoking and pre-existing conditions can ruin your chances of getting life coverage. But, if your health is excellent, even as a smoker, your rates will be good. So, make sure you do everything you can do improve your health. This is not an easy solution, but in the end, is the best.

If you are a smoker and you need life insurance, we can help you find the lowest prices. Click here and get the best quotes from top providers in the country!