Life Insurance For Smokers And How To Get The Lowest Rate

Some life insurance companies are stricter than others when it comes to tobacco use. I’ll cover that in a moment. First, let’s take a look why most insurers charge higher rates for smokers.

Smoking related deaths are the most preventable. There are hundreds of thousands of people that die, each year from smoking related diseases. Lung disease is the most common form of cancer in the United States. Smoking is the leading cause of lung cancer.

If you don’t die from smoking, you are tremendous risk for developing lung disease. This can come in the form of chronic bronchitis, adult onset asthma, emphazema and COPD (Chronic Obstructive Pulmonary Disease). Smoking also causes heart disease and hardening of the arteries. The tar and nicotine in cigarette smoke raises blood cholesterol and causes your blood to be sticky, forming clots.

This is the very reason that most insurance companies charge very high rates for people that smoke and the absolute best thing that you can do for yourself, your wallet and your family, is to quit. Who cares if you have to buy three different nicotine replacement products to use. Do whatever it takes to save your health and your life.

If you just won’t quit and want to save money on life insurance, there are some companies that don’t take smoking into consideration in the underwriting process. Some companies will rate a user of smokeless tobacco as a nonsmoker. It varies by company and the way to find the company that will offer you the lowest rate, based on your current health and smoking, is to use an online quote comparison website.

Note: Most companies require you to have quit for 12 months to be rated as a nonsmoker. is a free tool that you can use to compare life insurance quotes and policies for everyone, including those that smoke or use tobacco.

Christy Love is a Platinum Level Expert Author at

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