Acquiring life insurance at a reasonable rate can be quite challenging for a smoker. In general smokers pay higher premiums based on several risk factors, therefore it is very important to do research before choosing a policy. In addition, staying healthy, and maintaining a reasonable weight will work in your favor. Being overweight and smoking will increase the premium rates.

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Reference to statistics

A research of life insurance policies for smokers versus nonsmokers reveals some amazing results. For example; a 29-year-old female smoker weighing 115 pounds and standing 5’4” tall will pay $50-$90 per month for a 30 year term life insurance policy valued at $300,000. The same non-smoker female will only pay $20-$60 per month.
A 29-year-old male smoker weighing 170 pounds and standing 5’ 11” tall will have a premium between $60-$135 for the same policy. The age factor (29) can drop the Term Life Insurance Policy to 15 years, the smoking male still pays $30 - $54 per month, which is more than a nonsmoking female would pay for a 30 year term policy.

Insurance Company Perspective

Smokers might sometimes view the increase in level term life insurance rates as discrimination, but it’s important to analyze this from the insurance company’s point of view. In general, smokers (nicotine users - cigars, pipe, or cigarettes) stay out of work more often than non-smokers due to respiratory problems. It is believed but yet not clinically proven that smoking lowers the immune system defenses, therefore causing smokers to be more susceptible to certain illnesses than a non-smoker. Another reason nicotine users pay higher insurance premiums is because of other smoking-related illnesses that may occur and cause premature death, such as lung cancer, heart attack, emphysema, severe asthma, stroke, and other forms of cancer. Studies done in the last five years also found a connection between heavy tobacco smoking and Alzheimer’s disease.

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The Best Choice for Smokers

When buying life insurance for smokers on a monthly basis, the 10-year level term policy is the most affordable, but other issues must be taken into consideration before making a decision. Term policies expire at a certain date; at that time the policy needs to be converted to whole life, cash it in, or renew the policy. At that point you will be 10 years older, so financially speaking it’s safer to invest in whole life ins., in order to keep the premium rates constant throughout your life.

A smoker (cigarette, cigars or pipe), who is looking to buy life insurace, should consider several options before making a final purchasing decision. These options include; term life insurance versus whole life insurance and the length of coverage for a term life insurance policy. All of these factors determine the premium rate.

Since smokers will be paying higher premiums, it’s important to spend your money wisely. Several sites are available on the Internet for quoting; some don’t require any personal information. Others don’t always provide with a quote at that time, but will call or email within a few days. The most important thing is to read the policy carefully and realize what you are getting for your money. Do a thorough research before making your final decision. We will do our best to find you good life insurance rates.

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No matter the amount of life insurance you need, $50,000; $100,000; $200,000; $300,000; $400,000; $500,000; $600,000; $1,000,000, or your age, 40, 50, 60, 70, etc. - we can quote you the best rates.

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We Quote the Following Companies:

American General Life Insurance Company Bankers Life Insurance Co. of New York Banner Life Insurance Company First Penn-Pacific Life Insurance Jefferson Pilot Financial Insurance Jefferson Pilot LifeAmerica Insurance Co John Hancock Life Insurance Company USA John Hancock Life Insurence Company NY Liberty Life Insurance Company Lincoln Benefit Life Company Lincoln Life & Annuity Company of NY Lincoln National Life Insurance Company Massachusetts Mutual Life Insurance North American Co for Life and Health

Northwestern Mutual Life Insurance Pacific Life Insurance Company Protective Life & Annuity Insurace Co Protective Life Insurance Company Pruco Life Insurance Company Pruco Life Insurance Co of New Jersey Transamerica Financial Life Insurance Co Transamerica Occidental Life Insurance U.S. Financial Life Insurence Company United of Omaha Life Insurance Company United States Life Ins in the City of NY West Coast Life Insureance Company William Penn Life Insurance Co of NY