Online Life Insurance Quotes For Smokers

Just because you smoke or chew tobacco doesn't mean that you are automatically going to pay astronomical rates for life insurance coverage. Indeed, carriers discriminate among various types of smokers. If you've been a chain smoker of unfiltered cigarettes the past 25 years, you are obviously going to pay a higher rate than someone who occasionally chews tobacco or smokes a pipe. To make sense of smoker life insurance policies, utilize the resources here at EFinancial.com or give an associate a ring at 866-765-4296.

It is possible to find low cost, privileged policies even from A-rated carriers, like RBC Insurance. You might also investigate offerings from the likes of American General, Transamerica, Genworth Financial, and Jefferson National. That said, it may behoove you to quit smoking as soon as possible to get even bigger breaks on your policy.

Some carriers will consider you a "non-smoker" if you quit for a year or longer. Regardless of whether or not you continue to intake tobacco in some form, it's well advised to avoid consuming any tobacco products for several hours before your life insurance physical. You may also want to go to a respiratory therapist regularly to assess any imminent health problems that may be caused by smoking or tobacco consumption.

If a carrier observes that you're taking major steps towards removing potentially lethal extra curricular activities from your life, the company can reward you with better rates, higher coverage plans, and more flexible long-term options. Your physical may include a chest x-ray and an EKG to provide a full survey of your risks.