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.

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.