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| Version | User | Scope of changes |
|---|---|---|
| Jan 3 2009, 12:38 AM EST (current) | chrispaul1972 | 382 words added, 1 photo added |
| Jan 3 2009, 12:38 AM EST | chrispaul1972 |
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Is it possible that smokers life insurance plans and policies are affordable in today's market? Most life insurance companies will rate up your premiums sometimes by fifty percent if you smoke or are a tobacco user of some sort. But just because you smoke doesn't mean you have to break the bank when you go to buy a new life insurance policy.
Typically most of the top life insurance carriers will want to see that there has been no use of cigarettes or tobacco for at least one year to get non smoker rate classes. With one year of no smoking or tobacco you could possibly qualify for their standard or standard plus rate classes. If you have quit for two years up to three years then you may qualify for Preferred Rates. If you have quit for over five years you just might get the best rates possible. That is if you qualify per the carriers guidelines on all there other health categories.
Rate classes that could be possible if you quit smoking and how long to stop:
For Preferred Best you would need to quit smoking for at least five years:
Quitting for three years or more and you could maybe qualify for the Preferred Rate Class:
After two years of no smoking or other tobacco maybe you could qualify for Standard or Standard Plus:
One year no tobacco maybe a Standard Rate Class:
These rate classes are guides for you to review over with your agent or broker for help in determining how to quote you for accurate premiums you'll pay. Even at smoker rate classes though you might be surprised to find how affordable the coverage still is, so get your quote anyway. As you can see it's not difficult to get smoker life insurance quotes or rates. But make sure you realize that your policy will cost more due to the use of cigarettes and smoking.
This is just a quick little guide to try and help you obtain the absolute best and most affordable term life insurance quotes. Make sure you work with a really good life insurance agent or broker to help you in your search for the best plan for you and your family.
Click here to get a free smoker life insurance quote.
Typically most of the top life insurance carriers will want to see that there has been no use of cigarettes or tobacco for at least one year to get non smoker rate classes. With one year of no smoking or tobacco you could possibly qualify for their standard or standard plus rate classes. If you have quit for two years up to three years then you may qualify for Preferred Rates. If you have quit for over five years you just might get the best rates possible. That is if you qualify per the carriers guidelines on all there other health categories.
Rate classes that could be possible if you quit smoking and how long to stop:
For Preferred Best you would need to quit smoking for at least five years:
Quitting for three years or more and you could maybe qualify for the Preferred Rate Class:
After two years of no smoking or other tobacco maybe you could qualify for Standard or Standard Plus:
One year no tobacco maybe a Standard Rate Class:
These rate classes are guides for you to review over with your agent or broker for help in determining how to quote you for accurate premiums you'll pay. Even at smoker rate classes though you might be surprised to find how affordable the coverage still is, so get your quote anyway. As you can see it's not difficult to get smoker life insurance quotes or rates. But make sure you realize that your policy will cost more due to the use of cigarettes and smoking.
This is just a quick little guide to try and help you obtain the absolute best and most affordable term life insurance quotes. Make sure you work with a really good life insurance agent or broker to help you in your search for the best plan for you and your family.
Click here to get a free smoker life insurance quote.
