Getting insurance for smokers is easier than you might think, although you may have to pay a more hefty price than you may want for the precious peace of mind you seek. As a smoker, you know that your habit shortens your life and puts you at significantly higher risks of lung cancer, stroke, heart disease, high blood pressure and other health problems. We’ll suggest a couple of good places for you to look at for insurance coverage.
Before you start looking, remember that a typical life insurance company will always ask you about your smoking habits. This is important, because you will need to open and honest about your habits. If at some point you are discovered to be a smoker when your policy is giving you non-smoker rates, you could get in big trouble and your life insurance policy could be cancelled. A future insurer would have its ways of finding out about such an indiscretion.For smoker’s insurance, look at LiveLife.com, which has information on life insurance policies for smokers. In addition to up-to-date information on insurance premiums, which you can access by requesting a free quote, LiveLife also offers you healthy incentives for having proper insurance for a smoker. You can fill out an online questionnaire to enter information about your smoking habits and give you a better idea of what you’ll be paying for insurance.
SmokerInsurance.com also has lots of information for those who smoke cigars, cigarettes, tobacco, snuff or anything else, and promises to save you up to 50 percent on your life insurance. If you’re a former smoker looking for non-smoker rates, this insurance website can work with you more favorably than other businesses can.
