Term Life Insurance For Smokers

Mar 23, 2009 Life Insurance Quotes, Types of Life Insurance

Term Life Insurance for Smokers.  If you are looking for term life insurance and you are a smoker you are going to pay more than if you were a non-smoker.  This makes it even more important that you compare life insurance quotes to make sure you get the best deal possible.

Why  are your rates higher?  Smoking has been proven to reduce your life expectancy.   People who smoke are more likely to be diagnosed with heart disease, lung cancer, and other diseases which may lead to a shorter life expectancy than for people who are non-smokers.

Unforunately, this is why smokers typically  pay 2-3 times more for the same amount of life insurance than non-smokers.

If you are planning on quitting smoking, you will need to quit for at least one year before you are considered a non-smoker.  With most companies the best health class you can qualify for after one year of not smoking is standard non-smoker, but there is at least one company that would give you a preferred non-smoker class.

Start comparing smoker rates now!

Tags: life insurance quote, Life Insurance Quotes, Smoker Life Insurance, smoker term life insurance, Term Life Insurance For Smokers