Smokers Best Term Life Insurance Policies
Finding and buying affordable smokers life insurance plans is not as difficult as it once was if you know how to look for them and who to speak to. Unfortunately if you smoke or use some sort of tobacco product your premiums could end up twice as high as a non smoker. Don't worry though term life insurance rates are at their lowest point in years so don't be scared at looking into buying a new policy even at smoker rates.
Typically most of the top life insurance carriers will want to see that there has been no use of cigarettes or tobacco for at least one year to get non smoker rate classes. Standard rate classes could be possible if you dont use any tobacco products for a year, this includes alternate tobacco like chewing or nicotine patches. If you have quit for two years up to three years then you may qualify for Preferred Rates. If you have quit for over five years you just might get the best rates possible. That is if you qualify per the carriers guidelines on all there other health categories.
If you stop using tobacco these could be your possible rate categories issued from the carrier:
For Preferred Best you would need to quit smoking for at least five years:
Preferred rate class possible if you stop using tobacco for three plus years:
No cigarettes or tobacco 2 years or more: Possible Preferred or Standard Plus Class
No cigarettes or tobacco 1 year or more: Possible Standard Rate Class
Click here to get a free Smoker Life Insurance Quote.
What these rate classes mean to you is simply how much you are going to pay for your life insurance premiums, plain and simple. Even at smoker rate classes though you might be surprised to find how affordable the coverage still is, so get your quote anyway.
This is just a quick little guide to try and help you obtain the absolute best and most affordable smoker term life insurance quotes. Make sure you work with a really good life insurance agent or broker to help you in your search for the best plan for you and your family.
Typically most of the top life insurance carriers will want to see that there has been no use of cigarettes or tobacco for at least one year to get non smoker rate classes. Standard rate classes could be possible if you dont use any tobacco products for a year, this includes alternate tobacco like chewing or nicotine patches. If you have quit for two years up to three years then you may qualify for Preferred Rates. If you have quit for over five years you just might get the best rates possible. That is if you qualify per the carriers guidelines on all there other health categories.
If you stop using tobacco these could be your possible rate categories issued from the carrier:
For Preferred Best you would need to quit smoking for at least five years:
Preferred rate class possible if you stop using tobacco for three plus years:
No cigarettes or tobacco 2 years or more: Possible Preferred or Standard Plus Class
No cigarettes or tobacco 1 year or more: Possible Standard Rate Class
Click here to get a free Smoker Life Insurance Quote.
What these rate classes mean to you is simply how much you are going to pay for your life insurance premiums, plain and simple. Even at smoker rate classes though you might be surprised to find how affordable the coverage still is, so get your quote anyway.
This is just a quick little guide to try and help you obtain the absolute best and most affordable smoker term life insurance quotes. Make sure you work with a really good life insurance agent or broker to help you in your search for the best plan for you and your family.
Related Articles:
Comments
