Frank

Tucson, AZ

Frank,

Medical studies show that smoking may cause cancer and various illnesses that is why smokers generally pay higher life insurance premium than those who do not smoke. The best way to get cheap life insurance premium is to stop smoking and if you successfully done so, you can inform your life insurance agent. No doubt you will get cheaper life insurance premium and will make your healthy at the same time.

If you want to get cheaper smoker life insurance premium, you can take advantage of any life insurance discount that is available to you. You may be able to get a multi-policy discount from your life insurance company if you obtain your smoker life insurance policy and other insurances from the same insurance carrier. There are other life insurance discounts so it is best to check with your life insurance agent.

The best thing to do is to shop around for various insurance carriers if you want to get cheap smoker life insurance. You will get higher chance of obtaining cheap smoker life insurance if you compare life insurance rates from different life insurance company.

I smoke will that effect my Life Insurance Rates?

Fred, 

Sedona, AZ.

Fred, 

Smokers should be prepared to pay more than their healthier cousins. In fact smoking is such an unhealthy habit that smokers should be aware that they may be rejected by some insurance companies entirely. Smoking has been a chief concern for many years, with educative and persuasive techniques employed to encourage the public to quit. It is now equally important for obesity, another lifestyle choice, to be tackled in such a high profile manner. If the rising levels of obesity are not brought under control the public will be the ones paying therising costs.

 Great Question.