Reader’s Question: Why do life insurance companies charged higher rates for life inusrance for smokers? Mike Dallas Texas It has been established that smoking results in other major health illnesses like heart disease and cancer of the lung. Everybody knows that smoking kills and certainly insurance companies know about this.  Your life expectancy rate is [...]

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: How can I get cheap smoker’s life insurance online? I have searched for rates from local insurance companies in Tampa, Florida but they all seem to offer high rates for smokers like me. Don Tampa, FL Being a smoker, you probably dread the thought of paying high life insurance premiums. To get the [...]

Reader’s Question: Can you enumerate factors to avoid paying costly insurance even I am a smoker? I live in Colorado. Abby Denver, CO Yes, you can always find ways, Abby. For starters, avoid being overweight, smoker life insurance quotes will vary based on certain data of being overweight. Mind to buy a policy while you [...]

Reader question: I need life insurance and I smoke. Should I get a no exam life insurance policy for smoker? Craig Thanks for asking, Craig. You can purchase a no exam life insurance policy for smoker, but the cost might be more than you can handle. No exam policies cost several times more than regular [...]

Reader question: I would like to avoid having to pay for instant life insurance coverage for smokers. Is there anyway I can do this? Juan Thanks for asking, Juan. With a little self control, it’s pretty easy to slip through your medical exam without having your smoking habit detected, and thus getting out of paying [...]

Reader question: What is the cheapest life insurance coverage for smokers, or anyhow, former smokers? Cristobal Thank you for asking, Cristobal. Life insurance companies have a tiered system when it comes to smoking, so the cheapest life insurance coverage for smokers, and the availability of it, will very much depend on how long it has [...]

Reader question: When I compare rates for smoker life insurance coverage, how do I know how much coverage to get? Lucy Great question, Lucy. Before you compare rates for smoker life insurance coverage, you should sit down in front of a piece of paper with a pen in your hand and figure out what the [...]

Reader question: Can I buy smoker life insurance policy online? Sherry Thanks for asking, Sherry. You absolutely can buy smoker life insurance policy online, and in fact it comes out even cheaper if you do all of your shopping for life insurance online as well. It’s pretty simple. All you have to do is head [...]