Can smokers get a term life insurance policy?

Yes, people who smoke may qualify for term life insurance coverage.

With term life plans you can choose your term (duration) of coverage from 10, 15, 20 or 30 years. With level term life insurance your premiums are level each year for the term of your policy, while the amount of your life insurance coverage stays the same each year.

Smokers will pay a higher rate for their life insurance compared to non-smokers because smoking can lead to health prob...
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