Reader’s Question: I’m worried that because I smoke, I can never find a cheap life insurance policy here in Arkansas. But still, I want to be able to find the best rate possible available for me, how would I do that? Sahib Little Rock, AR Everybody is aware that life insurance for smokers has higher [...]

Reader’s Question: I smoke and I want to get a life insurance policy, would I pay big rates? If so, is there anything I can do to lower how much life insurance premiums I’ll have to pay? Nicco Milford, CT While we all know how smoking impacts our health in the long run, many are [...]

Reader’s Question: I am really interested in buying a life insurance policy for myself but I’m afraid I might not be eligible for it because I had been diagnosed with a heart attack before. Friends inform me that there’s a guarantee issue life insurance available in the market. What is it? Xander Los Angeles CA [...]

Readers Question: Is it true that smoking would make me pay a lot more money on a life insurance plan? If so, do I still have a chance of getting an affordable life insurance? Timothy Louisville, KY Yes, it is definitely true that smokers pay a premium on their life insurance coverage for this kind [...]

Reader’s Question: What kind of tobacco products would I have to use to be considered a smoker by a life insurance company? Also, are there still ways that I can lower my life insurance premiums here in Florida even if I smoke regularly? Lolita Kendall, FL Here are a list of nicotine-based substances and products [...]

Reader’s Question: Is my life insurance provider here in Rhode Island punishing me with high rates for being a smoker? I just feel that my life insurance costs are too high! Harry Providence, RI I don’t think your life insurance provider there in Rhode Island would have any interested in punishing you with higher rates [...]

Reader’s Question: I don’t really consider myself a smoker but I do lit up a stick from time to time (like during social events for my job here in Ohio) and some tobaccos every now and then, would this still affect my life insurance rates? Farraden Cleveland, OH This is the problem that most life [...]

Reader’s Question: I’ve been on a nicotine patch for almost three months now and I haven’t smoked a single stick. It’s a struggle but I know I can do it now that I’ve moved away from Manhattan to the more relaxed Brooklyn New York NY. I’m just worried that if I get life insurance, my [...]

Reader’s Question: I used to be a smoker in my younger years when life was sweet and I was invincible. I have stopped smoking for ten years now and I think I can safely say that I have kicked the habit. I am trying to get life insurance in Scranton Pennsylvania and I’m afraid that [...]

Reader’s Question: I was told that smoking really affects life insurance policies. Is this true? How so? Will this be applicable in Bellevue Washington WA? Sara Bellevue, WA Yes, it is true; smoking does affect your life insurance policies. This is true for Bellevue Washington WA and for the rest of the country, even the [...]