Term Life Insurance for Smokers

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

Life insurance for a smoker may cost up to 50% more per year than life insurance for a non-smoker. That adds up quick.

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?

Due to these discoveries, life insurance companies decided to change how they underwrite and rate term life insurance for people who smoke. The rate for smokers is higher than non-smokers, sometimes by as much as $110 per month or more. For example, a 10 year term life insurance policy for $100,000 of coverage through one insurance company is $26.22 per month for a smoker and $14.36 per month for a non-smoker. The higher rate is due to the shorter life expectancy.

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 policy, the life insurance companies charge a higher rate.

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