Reader’s Question: I’m a chain smoker and know all my health problems. Can I skip the medical exam when I apply for life insurance here in Oak Lawn, ? Evan Oak Lawn, Il Certainly, Evan; it is quite possible to get no exam smoker life insurance coverage in Illinois. It helps that you are familiar [...]

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 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 [...]