Reader’s Question:

Hi there. I’m a smoker but I want to buy life insurance. They say that I will find it hard to buy a cheap one in Fort Lauderdale Florida FL. Is this true?

Cora

Fort Lauderdale FL

Hello Cora

It’s true that most life insurance companies in Fort Lauderdale FL would not qualify smokers to get life insurance. It’s because they are exposing themselves to risk of immediate claims. The reason is obvious – smokers have the tendency to have lots of diseases and it’s not something that favors the life insurance companies. People which are not healthy are insurance risk for companies.

Good thing though, there are life insurance companies in Fort Lauderdale FL that offers smokers life insurance policy. This product is offered to people who are smoking. Life insurance agents handling these products deal with smokers and they often offer these two choices:

• Stop smoking for three years and you’ll possibly get regular premium
• Determine what particular cigarette you are using. Tobacco, cigarette sticks or chewing cigarettes has different implication to health. So the premium varies based on these conditions.

Of course the most favorable for you is the first option – to quit. After three years of quitting that would be good as regular premium and you’ll indeed save considerable amount. If you can’t quit easily, you’ll be evaluated with the second option. Just the same, you will pay higher premiums than the life insurance with people who are healthy but at least the premium will vary based on cigarette used.

To find the lowest smokers life insurance, it would be best if you compare prices from at least 5 life insurance companies with this product. You might find that the one company offers more affordable price than the others.

Tags: buy life insurance, cheapest life insurance, smoker life insurance