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 with your medical history since you are likely to be asked questions regarding your health. The more accurate your answers are, the less likely you will be accused of withholding information in the future. Remember to answer as truthfully as you can because if you are found to be untruthful in your disclosures, the insurer may be legally justified in refusing to provide coverage. Most importantly, do not even think of hiding the fact that you are a chain smoker. They’ll find that out easily enough.

Smoker life insurance is usually categorized based on the volume of nicotine that is usually ingested. Simply put, the more you smoke, the higher your premiums are likely to be. Add to that the risks that the insurer will be absorbing by waiving pre-existing conditions in no exam smoker life insurance policy and the premiums are likely to be substantially high. Thus, I suggest you weigh your options carefully. Type in your zip code on the form on this site and you can get free smoker life insurance quotes from insurers offering services Il. This will give you a good idea of the cost of the premiums you will be required to pay as well as the limitations of the coverage available to you as a smoker.