Life insurance for smokers  is typically higher than insurance for non-smokers. According to some insurance companies, if a client is not healthy when they start their policy, chances are their health will not improve in the future. While some insurance companies may not make a distinction between a regular smoker and an occasional one, there are some that typically will.

The individual should understand that companies may get technical by basing their premium on how much tobacco they use and they might even class pipes, marijuana, cigars and cigarettes differently. Yet, it is important to be completely honest on the application, because if they find out anything on it is false, they will typically not pay out.

A smoker is generally more likely to develop illnesses caused by smoking, such as high blood pressure, lung cancer, diabetes and other illnesses. They are also typically more likely to miss work because of these illnesses. So, if the individual is considered a high risk, they can usually expect to pay higher premiums. A person may be able to obtain a $250,000 life insurance policy for ten years if they are healthy and maintain their weight for about $40 a month.

It may not easy finding insurance for a low price when you are a smoker. However, better options and lower prices may be available online. An affordable life insurance quote for smokers is something that the customer can typically request from different companies that provide life insurance to smokers. You can usually compare prices, coverage and even request any discounts that may be applicable to your situation. Do you smoke cigars? Consider reading “Life Insurance for Cigar Smokers” to see how you may be able to find the right life insurance for you.

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