Reader’s Question: How does smoking affect my term life insurance smoker premium? Where can I possibly find life insurance provider for smokers? Jason Houston Texas There are various types of life insurance and being classified to one of those depends on the health condition and lifestyle of the prospective policy buyer. Your general health is [...]

Reader’s Question: I’ve been a smoker for more than 3 years. How will this affect my application for smoker life insurance policy? By the way, I have not approached any of the insurance companies in Nevada. Ben Las Vegas NV Health condition or history plays an important role in rate determinants. If the person is [...]

Reader’s Question: My mother says that my smoking will affect my life insurance. Is this true? James Norman,OK Hi James. Say hi to your mother in Norman, Oklahoma for me. Sorry, James, but I will have to take your mother’s side on this one. Whether or not you smoke will affect your life insurance in [...]

Reader’s Question: I smoke pipes rather than cigarettes. Will that make a difference in the premiums I need to pay for life insurance here in Brooklyn, NY? Andrei Brooklyn, NY You know what, Andrei, I have a friend who collects tobacco pipes but never smokes them. I wonder how life insurance companies would consider that? [...]

Reader’s Question: I’m thinking of getting life insurance but the problem is that I am a smoker. I know that life insurance rates for smokers like me are quite high. But I’m also thinking of quitting someday. If I do quit, will this affect my insurance rates? George Dover, DE If you do smoke, you [...]

Reader’s Question: I asked my dad one time why he never bothered to get a life insurance. He told me that it was because he was a smoker. To be honest, I was surprised. Is there discrimination against smokers in the insurance industry? Is there any in Edmond, Oklahoma? Don’t you want to insure everybody? [...]

Reader’s Question: Can someone still be considered for life insurance policy in Wisconsin if he/she is a smoker and asthmatic at the same time? Fredrick Green Bay, WI Someone may be considered for life insurance policy but the rate may be so expensive. Aside from having a smoker’s rate, which is thrice the amount of [...]

Reader’s Question: I just can’t quit! Would insurance companies here in Houston Texas TX still be willing to provide me coverage under this condition? Kathleen Houston Texas TX Don’t you fret, Kathleen. Securing life insurance is easier now than it has ever been for smokers! The National Center for Health Statistics here in the US [...]

Reader’s Question: I’m a heavy smoker; I just can’t kick it so I guess I’m likely to be this way until I die. I’ve approached one insurer here in Tallahassee Florida a couple months back to explore the possibility of getting life insurance and the price he quoted me was outrageous! Should I have lied [...]

Reader’s Question: How do I get affordable smoker life insurance quote in Los Angeles California? Is there such thing as that? Manny Los Angeles, CA Hello Manny Generally, smoker life insurance is expensive because there is risk in providing life insurance to smokers. Let’s face it, smokers have the tendency to be ill, whether it [...]