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.