Life Insurance Solutions For Smokers

If you are a smoker, you may have been told that life insurance is not available to you. You may think that even if you were offered coverage, you would not be able to afford insurance. But that didn't happen. 

In recent years, term life insurance costs have become significantly more competitive across all risk groups and smokers are no exception. You can also look for the best whole life insurance for smokers through the web.

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If you are a smoker, you may think that you will have to pay higher insurance costs for coverage. If you decide to work with a life insurance company that offers standard life insurance, this will happen.

Before deciding whether your company considers you a smoker, ask a few questions. Even if you quit smoking, some companies will consider you a smoker if you have smoked in the last two or three years, while others won't check your status until you sign up for a policy. 

If you have successfully quit smoking but haven't stopped smoking long enough to be classified as a non-smoker, the best strategy is to get a policy, even if it is more expensive, and then wait until it expires. At this point, take another policy that classifies you as a non-smoker and then cancel your old policy.

Many companies can offer you a term life insurance quote and many companies are very open to providing life insurance to customers who smoke.