Reader’s Question:

How do I get affordable smoker life insurance quote in Los Angeles California? Is there such thing as that?

Manny

Los Angeles, CA

Hello Manny

Generally, smoker life insurance is expensive because there is risk in providing life insurance to smokers. Let’s face it, smokers have the tendency to be ill, whether it is truly diagnosed or not. As such, the life insurance company may put the risk of early death to its smoker life insurance premium.

Nevertheless, the good news is, you can get affordable smoker life insurance if you follow the tips below:

• You must stop smoking for at least three years. Life insurance companies in California, or any state, can consider a person as non-smoking if it took the person three years of no smoke. By then, you can get the most affordable smoker life insurance or you can get the regular life insurance.
• Among different life insurance companies , you may find one that offers the most affordable smoker life insurance policy. All you have to do is search for it by requesting life insurance quotes from sites like this site. From the various quotes, you can surely find the most affordable smoker life insurance quote there is.
• Ask from the sales agent in a life insurance company, what particular product in smoker life insurance categories has the most affordable smoker life insurance. The agent may refer you to the ones with lower face value or longer terms.