Smoker Life Insurance Plans

Are you shopping for life insurance plans for smokers? Do you smoke cigarettes, cigars, or a pipe?

If you are a smoker, and you have checked for life insurance online you may have discovered rates can be higher than you may have expected.

Life insurance for a smoker may cost up to 50% or more per year than the same type and amount of life insurance for a non-smoker. That can add up to quite a bit of money.

Did you know that medical research has found that smoking shortens the life span of men by 14.5 years and of women by 13.2 years? Yes, cigarettes can shorten your life.

The rate for smokers life insurance is higher than non-smokers, sometimes by as much as $100 per month, or more.

However, rates are getting more competitive for smokers, if you know where to compare plans and prices.

For example, a 20 year term life insurance plan for $250,000 of coverage for a 30 year woman through one insurance company is $33.00 per month for a smoker and $31.00 per month for a non-smoker. The higher rate is due to the shorter life expectancy of a smoker. But notice how close the rates are for smokers compared to non-smokers.

These higher life insurance rates may seem unfair to you if you smoke. But, the fact is, the more you smoke the higher your risk for heart attack, stroke, health conditions, and shorter life expectancy.

Because of the higher risk to pay out on your life insurance policy, the life insurance carriers charge a higher premium.

• Consider term life insurance which may cost you 2-3 times less than permanent life insurance.

• Buy life insurance while you are young and healthy, rates increase with age.

• Quit smoking to get a non-smoker rate for your life insurance policy. Insurers may adjust your rate to non-smoker once you have quit for 1-2 years.

• Compare life insurance quotes from several insurance companies because rates vary by insurer.

Get Quotes for Smoker Life Insurance Plans

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