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 [...]

 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 [...]