The
rate for smokers life insurance coverage is about three times that of life insurance for non-smokers.
If you are getting No Exam life insurance insurance, the rates for a smoker and nonsmoker are not as far apart as that,
but those rates usually start out higher for non smokers than with an exam.
If
there is a health problem which cigarettes compound the
seriousness of the disease, the life insurance rates for a smoker can be even higher.
The good news is that if you quit smoking, you may qualify for non-smoker life insurance rates in 1 or 2 years, depending on the insurance company.
Also, if you already have life insurance base don smoker rates, and then you quit for at least 12 months, you may request a re-rate of your life insurance policy. This may require that you take a blood or urine test to verify there is no nicotine in your system.
Here's how you can compare smokers life insurance rates online to help you find the most affordable life insurance plan.
