What is Smoker Life Insurance?

Just because you enjoy the finer things in life doesn’t mean you should have to pay more for life insurance. With smoker life insurance, you don’t have to. Depending on your type and degree of tobacco use, you can qualify for the same premium as a non-smoker.

Why is Smoker Life Insurance so important?

If nothing else, using tobacco can be costly. A smoker’s life insurance premiums can be two or even three times as much as a non-smoker’s. That can add up to $100s more every year for the same coverage. Of course, some forms of tobacco are less risky to your health than others. Unfortunately, most life insurance providers make no distinction between casual smoking, such as with a cigar or pipe, and heavy cigarette use.

Don’t be lumped into the same higher-premium group with every other smoker. Don’t let them tell you that it’s unavoidable or “industry standard.” If your smoking habits are low-risk, you can get a better rate. You may even qualify for the same rate as a non-smoker.

If you’re a smoker, you can get a free smoker life insurance quote by filling out the form to your right. Our team of highly skilled life insurance specialists will work with you to develop a plan that fits your budget and coverage needs.