Houston Life Insurance » Smokers Term Life Insurance Houston

Smokers Life Insurance Houston

admin — Wed, 13 Aug 2008 23:42:02 +0000

I am a smoker will that effect my rates?
Ann
Houston, TX.
Ann,
Yes, smokers life insurance is usually more expensive than nonsmokers. In fact smoking is such an unhealthy habit that smokers should be aware that they may be rejected by some insurance companies entirely. Smoking has been a chief concern for many years, with educative and persuasive techniques employed to encourage the public to quit.
Last year’s public smoking ban this is another area in which smokers are being specifically targeted. Premiums for non-smokers have slowly fallen in the last few years whereas those for smokers have risen sharply, some estimates claim that smoking policy holders are paying up to 100% more than their non-smoking counterparts.
Great Question.

Houston Smokers Term Life Insurance

admin — Sun, 29 Jun 2008 20:25:43 +0000

Are there different rates for smokers and non smokers?

Gary

Houston, TX.

Gary,

Smokers face more consequences in certain aspects than non smokers face other then their health. The likely hood that they will pay higher insurance premiums happens to be another one. Sometimes an insurance policy for one who smokes can cost twice the amount as someone who does not smoke.

All term life insurance companies but a select few will offer smoker rates regardless if you smoke cigarettes, cigars, chew tobacco, or nicorette gum etc. The few term life insurance companies that will offer non-smoker rates to alternate tobacco users other than cigarettes can save you 50%-100% in cost. Some are aggressive to the extent where Preferred Plus and Preferred non-smoker rates are available as long as you medically quality.

Even if you smoke raw tobacco however not cigarettes, there are some companies that will give you a smokers quote.. However do not worry too much about price because there are still a few companies available that specialize in cigarette and tobacco smokers.

Thank you for asking a great question Gary.

Smokers Life Insurance Houston Texas

admin — Tue, 10 Jun 2008 18:41:12 +0000

Is it hard to get Smokers Life Insurance if I have smoked for years?

Tina

Dallas, TX.

Tina,

Just because you smoke or use tobacco does not mean life insurance is not affordable. Usually, when you are applying for life insurance, the agent or application will inquire about your smoking habits, and ask you if you are or have smoked in the previous 12-72 months. Typically you will be asked if you have used tobacco products, including cigarettes, cigars, dip, snuff and chewing tobacco during this time period. If you enjoy a good cigar from time to time or smoke just two cigarettes year, you are a smoker by insurance standards, even though the nicotine traces won’t show up in your required urine test.

Therefore,smokers life insurance is a very competitive business these days. Consumers have more information than they used to with TV ads and internet life insurance company websites. You have choices, and because of this, a little competitive shopper can help you find the best available rates for your situation.

Interesting question Tina. Hope you have found this website able to answer your question.

Smokers Life Insurance Rates Houston Texas

admin — Mon, 26 May 2008 17:47:33 +0000

Are Smokers rates higher?

Kevin

Spring, TX.

Kevin,

The obvious answers is yes. But some Life Insurance companies will give you better rates if you can prove that you are now a non smoker.

Following from last year’s public smoking ban this is another area in which smokers are being specifically targeted. Premiums for non-smokers have slowly fallen in the last few years whereas those for smokers have risen sharply, some estimates claim that smoking policy holders are paying up to 100% more than their non-smoking counterparts.

When you are applying for life insurance, the agent or application will inquire about your smoking habits, and ask you if you are or have smoked in the previous 12-72 months. Typically you will be asked if you have used tobacco products, including cigarettes, cigars, dip, snuff and chewing tobacco during this time period.

Hope this answers your question. Thank you Kevin.