I smoke a lot. I am wondering if it is possible for me to get cheap smoker life insurance?
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.