Reader’s Question:

My husband is sometimes puffing some cigars. I could say that he is well and healthy with his current condition. He is planning to have smoker life insurance here in Mesa, Arizona AZ for me and our two daughters, would he be qualified if he apply for it?

Tanya

Mesa, AZ

How are the kids? Yes! He is qualified to apply for smoker life insurance in Mesa, Arizona AZ . Since he is smoking some cigar which is also made from tobacco he will be under the category of Smokers. Life insurance has a place for all of us, in your husbands’ case he will be considered by the life insurance companies as High risk compared to non-smoker clients. For Tobacco users the premium rate is higher than the regular non-smoker people, which is approximately 30%-50% more.

But as I’ve told you there are many life insurance companies out there and not all life insurance companies use the same approach, other companies could present you lower rates. For best result contact a life insurance agent in Mesa, Arizona AZ, so that you can have many options when the agent present you offers from different life insurance companies.

The best solution that you can do right now is to convince your husband to reduce seriously his smoking habit and eventually may be he could stop smoking. There are smoker life insurance providers in Mesa, Arizona AZ that supports there clients by giving incentives after reviewing there medical history and most of the time these incentives are in the form of premium discounts. For now the best that you can do is for you to start meeting a life insurance agent in Mesa, Arizona AZ and ask some advice for your next move.

Tags: life insurance quotes, life insurance rates, smoker life insurance