If you are a smoker, you may have been told that life insuranceis out of reach for you.
You may believe that you will be unable to afford coverage even if you are able to have coverage offered to you.
However, this is not the case.
In recent years, the cost of term life insurancehas become much more competitive across all risk groups, and smokers are no exception.
Obviously, life insurance rates are going to be higher for smokers.
Smoking has been directly related to a wide variety of diseases and illnesses.
This includes lung, mouth, and throat cancers.
Obviously, the risk for any of these diseases rises dramatically for those who smoke.
This also means that the life insurance company is taking a higher risk when they choose to offer coverage to someone who smokes.
This is why the premium will be higher for smokers than non smokers for the same level of coverage.
If you are a smoker, you may think that in order to get coverage, you will have to pay the higher costs for the policy.
If you decide to deal with a life insurance company that offers standard life insurance policies, this will be the case.
However, if you don't want to pay a premium that is nearly double non smoker rates, you may want to look around to find an insurance company that specializes in life insurance for smokers.
However, you should expect to pay a higher premium than those that are paid by non smokers no matter which company you decide to ultimately give your business to.
But, you can minimize this by shopping around for the best rates.
Before you decide whether or not you are considered a smoker by the company, ask some questions.
Even if you have quit smoking, some companies will consider you to be a smoker if you have smoked during the last two or three years, but other companies will only look at your status at the time that you sign up for the policy.
If you have successfully quit smoking, but you have not been free of cigarettes long enough to be classified as a non smoker, the best strategy is to get a policy in place, even though it is more expensive, then wait out their time frame.
At that time, get another policy in place that classifies you as a non smoker, and then cancel your old policy.
It is very important that you do not cancel the first policy until the replacement coverage in place.
Anything can happen, so you do not want to leave your family without protection, even if it for a short period of time.
Even non smokers understand how hard it is to quit smoking.
No matter how many times they attempt to quit, many smokers are going to be unable to kick the habit.
However, you will be able to get insurance protection in place to protect your family even if you are a smoker.
Many companies can offer you quotes for term life insurance, and many companies are very open to providing smokers' life insurance to customers.
You may believe that you will be unable to afford coverage even if you are able to have coverage offered to you.
However, this is not the case.
In recent years, the cost of term life insurancehas become much more competitive across all risk groups, and smokers are no exception.
Obviously, life insurance rates are going to be higher for smokers.
Smoking has been directly related to a wide variety of diseases and illnesses.
This includes lung, mouth, and throat cancers.
Obviously, the risk for any of these diseases rises dramatically for those who smoke.
This also means that the life insurance company is taking a higher risk when they choose to offer coverage to someone who smokes.
This is why the premium will be higher for smokers than non smokers for the same level of coverage.
If you are a smoker, you may think that in order to get coverage, you will have to pay the higher costs for the policy.
If you decide to deal with a life insurance company that offers standard life insurance policies, this will be the case.
However, if you don't want to pay a premium that is nearly double non smoker rates, you may want to look around to find an insurance company that specializes in life insurance for smokers.
However, you should expect to pay a higher premium than those that are paid by non smokers no matter which company you decide to ultimately give your business to.
But, you can minimize this by shopping around for the best rates.
Before you decide whether or not you are considered a smoker by the company, ask some questions.
Even if you have quit smoking, some companies will consider you to be a smoker if you have smoked during the last two or three years, but other companies will only look at your status at the time that you sign up for the policy.
If you have successfully quit smoking, but you have not been free of cigarettes long enough to be classified as a non smoker, the best strategy is to get a policy in place, even though it is more expensive, then wait out their time frame.
At that time, get another policy in place that classifies you as a non smoker, and then cancel your old policy.
It is very important that you do not cancel the first policy until the replacement coverage in place.
Anything can happen, so you do not want to leave your family without protection, even if it for a short period of time.
Even non smokers understand how hard it is to quit smoking.
No matter how many times they attempt to quit, many smokers are going to be unable to kick the habit.
However, you will be able to get insurance protection in place to protect your family even if you are a smoker.
Many companies can offer you quotes for term life insurance, and many companies are very open to providing smokers' life insurance to customers.
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