Reader’s Question:

I’ve been on a nicotine patch for almost three months now and I haven’t smoked a single stick. It’s a struggle but I know I can do it now that I’ve moved away from Manhattan to the more relaxed Brooklyn New York NY. I’m just worried that if I get life insurance, my premiums would be though the roof. Am I right?

Melanie

Brooklyn New York NY

Hi Melanie! New York sure is stressful! I just dropped by a friend’s house for a short visit a while back – I remember, everyone always seemed to be in a hurry. Apartments were tiny and people seemed to have very short tempers. Also, a lot of people seemed to have acquired the habit of smoking. I can understand how much more difficult it would be not to have an urge to smoke in an environment like that.

Well, Melanie, I’ve got great news for you. Gone are the days that insurers avoided smokers like the plaque. It’s now possible to get life insurance at reasonable rates for smokers. In fact, smokers’ life insurance policies usually come in three types – standard, preferred and preferred plus. Standard, which usually has the highest premiums, are usually granted to heavy smokers. Preferred smokers insurance coverage is usually given to occasional smokers while preferred plus is usually given to smokers who have already quit. Why don’t you enter your zip code on the forms on this site and find out which category you may be classified in. Remember to be frank and forthright. You want the quoted smokers’ life insurance premiums from insurers in Brooklyn New York NY to be as accurate as possible. The quotes can be requested for free so it’s a good idea ask for several and then compare to get the best rates.

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