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?
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? Anyway, let’s go onto your question. Smoker life insurance in the US, including Brooklyn, NY, usually classify potential clients into three categories based on how heavy they smoke. The heavy smokers are required to pay the highest premiums while those who have not touched a cigarette in over a year are sometimes considered non-smokers already. I do not actually know of a specific insurance company who categorizes based on how the nicotine gets into the body – through pipes, tobacco or cigarettes. Notwithstanding, some insurers only consider the use of cigarettes in assessing smokers applying for life insurance coverage. As such, if you use tobacco or pipes, you may not even classify as a smoker.
The best way to find out how this will affect your application for smoker life insurance coverage in Brooklyn, NY, is to request for free smoker life insurance quotes online. This can be done simply be typing in your zip code on the forms on this website. The following questions will be similar to what your insurers are likely to ask so that you get an accurate quote on the required premiums. I suggest that you do this now. The sooner you know, the faster you can select a provider for your own smoker life insurance policy.