Reader’s Question:

I’m a heavy smoker; I just can’t kick it so I guess I’m likely to be this way until I die. I’ve approached one insurer here in Tallahassee Florida a couple months back to explore the possibility of getting life insurance and the price he quoted me was outrageous! Should I have lied instead and said I didn’t smoke?

David

Tallahassee Florida FL

Oh no, David. That’s something you should never do. I guess maybe if you apply for a no exam life insurance policy and indicate that you’re non-smoker, they’ll have to take your word for it and compute your premiums accordingly. Sure, you’ll get low premiums but consider this: what if they find out in the future? This can be legal grounds for the insurer to rescind your coverage. Technically, they can even file charges against you. Do you really think it’s worth that risk?

To ensure that you get the most reasonable premiums possible, why don’t you get some free online quotes instead? Just type in your zip code on this page and you can get some free quotes from insurers. Seeing as you are already computer literate, take advantage of the internet to get the best possible price for no exam smoker life insurance policy.

Higher premiums are inevitable since you are considered a high risk investment by insurers. However, it is possible to find an affordable payment level. What’s more, remember to ask your chosen insurer whether it would be possible to obtain a smoker life insurance policy with variable premiums. Don’t give up quitting just yet because an insurance company may be willing to lower your premiums at a later date if you manage to quit smoking.

Well, good luck on your insurance shopping, David!