Antoinette

El Paso, Texas

We know a smoker’s life insurance almost always doesn’t come at a cheaper rate due to the risk brought by smoking. Anything that increases your risk of death will definitely increase the cost of your life insurance. Smoking is no exemption.

However, there are some life insurance companies that offer lower smoker life insurance rates than the average rate. There are niche insurance companies that specialize in cigar and tobacco smokers. Some of these even offer smokers’ life insurance coverage at non-smoker rates!

There are niche life insurance companies who take into consideration your every details so that they could give you the proper life insurance rates that really fit you, your lifestyle and your budget. Even if you smoke smoke cigars, pipes, cigarettes or just chew tobacco, you could still find yourself eligible for cheap smoker life insurance rates. They even consider the type of tobacco products you have consumed in detailing your life insurance quote.

The length of period since the last time you have smoked or quit smoking even matters to them. The longer this period, the cheaper your rates will go. Most insurance companies often require that you have stopped smoking for at least two years before you can purchase a life insurance at a nonsmoker price.

Furthermore, if you have purchased a Texas life insurance at a smokers rate and you have stopped smoking, you cannot just immediately ask your insurance provider to lower your rate. Contract-wise, this is impossible. You have to continue to pay the smokers rate for the whole duration of your insurance as it is the rate that was agreed upon when you purchased it.

However, with the niche insurance companies specializing on smokers, you can even possibly get nonsmoker rates even if you are just social or occasional smoker. There are available search tools online that gathers smoker life insurance rates from various life insurance companies so that you will have a lot of quotes to choose from. This will help you make a sound decision in choosing your life insurance policy.

Matt

San Antonio Texas

Smoking is a habit that is hard on the body because it could lead to different forms of serious illnesses. Texas insurance companies want their insureds to be in good health since that would put them in lower risks. When a person is healthy, life expectancy is high. When a person smokes, he becomes unhealthy and his life is not likely to reach 99, which is the usual maturity period of a whole life insurance. A smoker’s term life insurance is also affected even if the policy will only provide for death benefits. This is because within the coverage period, the insured could suffer a heart attack or high blood pressure, two forms of diseases that can result to death.

Getting a smokers term life insurance in Texas need not be difficult and very expensive for you. Insurance companies now provide certain considerations to smokers, particularly those who have quitted the habit for at least six months. Even if you haven’t stopped smoking, a smokers term life insurance could be less expensive if you are not a heavy smoker. There are some companies that even offer non-smokers term life insurance rate for the occasional and social smokers. To find them, you need to search online.

In case you are the heavy-smoker type, you will need to find a company or agent who has access to many databases so that your choices will not be limited. Getting the most number of quotes can result to higher savings for you. Also, consider getting a smaller face amount so that you don’t end up with a very high premium rate. A $250,000 term insurance will not cost more than a couple of hundred dollars. If you can pay for the annual rate, so much the better since that’s already a savings of at least 12 percent compared to paying for the premium in monthly installments.

Can I get Low Term Life Insurance rates if I am a smoker ?

Tom

Austin, Texas

Great Question.

All term life insurance companies but a select few will offer smoker rates regardless if you smoke cigarettes, cigars, chew tobacco, or nicorette gum etc. The few term life insurance companies that will offer non-smoker rates to alternate tobacco users other than cigarettes can save you 50%-100% in cost. Some are aggressive to the extent where Preferred Plus and Preferred non-smoker rates are available as long as you medically qualify. The life insurance industry views your health habits as a key factor in determining your cardiovascular risk.

Apart from quitting (which is quite obvious), you have to make sure you’re not overweight. That will make your rate unbearably high. Therefore, do your utmost to get down to the right weight for your height, age and sex.

Something that is important to stop is smoking. Smoking is something that is found mostly in the physical itself. Insurance companies do recognize “smokers” and “non-smokers”, and they understand there are people out there who have quit. By quitting smoking, you can request another physical to show the company that you have indeed stopped smoking. By quitting smoking, your risk is lowered, and your term life insurance rates will easily improve.

Can I Get Free Smokers Term Life Insurance Quotes in Texas?

Jeff

Dallas, Texas

Glad You asked.

As a smoker or nicotine user, you are now eligible for 10, 15, 20 or 30 year term periods at less expensive rates. As long as you are otherwise in excellent health and are at a reasonable weight, you may purchase $250,000.00 worth of coverage for about $40 per month over a 10 year period. Just discuss it with our term life insurance company to get you free smokers life insurance quote.

The best advice to a smoker that is looking for free smoker term life insurance quotes is obviously to quit the habit, and after doing so if the individual has honestly survived the 12 months without a cigarette or any other form of tobacco, then they should tell their Term Life insurance company straight away. Furthermore, the individual would do well to research the insurance market and find the best deal when renewing the policy-the likelihood being that the best premium will be from a new and different term life insurance provider.

Aside from the fact that tobacco use in any form already sets you apart from non-users, it is important to understand that many term life insurance companies do not even distinguish between the form and frequency of your tobacco use. For example, if you like to use chewing tobacco occasionally you are considered to be in the same category as someone who smokes multiple packs of cigarettes per day.

For light cigarette smokers, there is term life insurance companies that will offer a non-smoker rate. This is extremely competitive to the extent no other term  life insurance carrier will consider this. This is a great opportunity for those of you who smoker on occasion. Just check out our website for free smokers term life insurance quotes.

Is It hard to get Term Life Smokers Insurance?

Mel

Houston, TX.

Thank you Mel for asking.

Financial cost of smoking is the negative impact it can have on term life smokers insurance. Smokers more than other clients will be more likely to suffer serious illness or die as a result of the habit, and so term life smokers insurance companies know there is a higher standard of risk involved when offering them term life insurance.

Smokers pay rates that are twice or more that of non-smokers on term life insurance. It’s no longer debatable that smoking is the leading cause of cancer and other deadly diseases. If smoking leads to certain health conditions, then it makes a person a high health insurance risk and that attracts higher rates.

The fact that you smoke can be determined by a urine test that measures nicotine levels. Smoking cigars and pipes and chewing tobacco don’t rule you out, either. If you want quality coverage, be sure to tell the truth on your application. Otherwise, there’s a good chance that no benefits will paid from your term life smokers insurance policy if you die.