Life Insurance for Smokers

If you are looking for smoker life insurance, here are some of the most commonly asked questions out there about life insurance for smokers:

Where can I get a smoker life insurance quote?

You will typically need to find an insurance company that deals with such policies.

Zip Code:

How can I find a life insurance for smokers policy?

Locating smoker term life insurance could be easier than you think. Life insurance companies may offer quotes on the Web so that you may be able to compare rates.

Will I need to purchase life insurance for smokers if I quit smoking?

It generally will depend upon the individual insurance company. It is possible that you may need to continue on smoker term life insurance until it is clear you are smoke-free for the rest of your life.  That might mean several years before you are eligible to get a life insurance policy for non-smokers.

Do I need to buy a smoker term life insurance policy if I chew tobacco, or use other smokeless tobacco products?

Either you may be required to get smoker term life insurance, or you could need to pay for a higher premium rate. It depends on the individual insurance company.

What about cigar smoking? Does that habit mean I would have to get a smoker life insurance policy?

That really will depend on the individual insurance company. It’s possible that you may not have to if it’s only one cigar or so a month.

What else should I know about getting life insurance for smokers?

You may be able to find a life insurance for smokers policy that is right for you by comparing rates from a number of different providers.

Related Articles:

How to Find Asthma Life Insurance

How to Find Low Cost Term Life Insurance for Smokers

Occasional Cigar Smoking and Life Insurance

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"Did you know that since 2005 the percentage of U.S. adults without life insurance has nearly doubled?"*