Cheap Life Insurance For Smokers

Life insurance for smokers will often be 2 to 5 times more expensive than for non smokers. Since almost all insurance rates are based on how much risk the applicant carries insurance companies evaluate said risk based on their own risk management standards and set the price for insurance based on the companys current risk tolerance level.

How E Cigarettes Affect Life Insurance Rates Lifeinsure Com

Cheap rates for smokers.

Cheap life insurance for smokers. Getting life insurance for smokers can be costly. Smokers could still get life insurance with these companies so there is no need for your loved ones to miss out. We can teach you how to find the best rate and even possibly get a preferred smoker rate which can save you up to 33 off a standard rate.

While pacific life had the cheapest rates for smokers in our quotes mutual of omaha comes in a close second for all profiles. If youve spent any time looking for quotes smoking is always one of the critical questions asked. Life insurance for smokers is almost always more expensive but even so there are a few select companies who will offer exceptional rates even non smoking rates in some instances.

Do you use tobacco or marijuana. If so you may be wondering how it impacts your life insurance rates. Compare cover they can offer if you smoke to get the protection you need.

Term life insurance is much more affordable for smokers than whole life insurance is but even term coverage can be expensive. Smokers pay an average of 215 more for coverage than nonsmokers. Life insurance rates for smokers.

If you are looking to find cheap life insurance for a smoker then you have come to the right place. Honesty is the best policy when trying to get the best life insurance for smokers. Underwriters at life insurance companies see smoking as a risk as smoking increases the chances of death by 12 27 when compared to non smokers.

Depending on how frequently you smoke and your method the best life insurance company for you will vary as some insurers offer cheaper rates if you vape smoke cigars or use other nicotine products. The best cheap life insurance companies. Best life insurance for smokers.

As you can see one size doesnt fit all when it comes to life insurance for smokers and you need someone who gets your specific needs. Luckily there are ways for smokers to get a good deal on life insurance and it starts with comparing multiple providers to find the most affordable option to fit their needs. Insurers will assume that your application is truthful but if they suspect anything is amiss they can ask for a urine or saliva test to find out whether or not you are a smoker.

Well its for good reason. Now that weve seen how smoking affects your life insurance rates you probably understand why i reiterate your need to shop around. Outside of age tobacco usage impacts life insurance more than any other factor.

Especially when youre dealing with something as complicated and important as life insurance. You are looking for cheap life insurance for smokers.

Smokers Life Insurance For Smokers Pinnaclequote