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Order, buy or get a smoker's term life insurance quote.
Smokers are penalized when they buy life insurance because of the health risk associated with smoking and tobacco related products. This is not necessarily the case! Special smoker term life insurance plans exist that allow customers to buy cheap cover!
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Most companies have taken the position that all forms of tobacco are equally harmful, and thus charge cigar smokers, cigarette smokers and snuff users the same increased rates. Some life insurance companies distinguish between moderate smokers (20 or fewer cigarettes per day or less than 12 cigars per year) and heavy smokers (more than 20 cigarettes per day) and offer partially reduced rates for those who smoke less. The recent cigar craze in the USA and Europe has raised numerous questions about how to classify cigar smokers. The ways in which life insurance companies categorize treatment of cigar smokers literally varies from one company to the next. A few insurers take a middle-of-the-road stance, charging cigar smokers more than nonsmokers but less than the heaviest-smoking class of clients. Some insurance companies consider cigar smokers to be nonsmokers, and offer the lower rates typically reserved for those who don't smoke cigarettes at all. The bottom line is that smokers are generally viewed as an insurance risk no matter what form of tobacco is being consumed.
Certain companies have identified the cigarette, cigar and snuff user as a relatively untapped market. Accordingly they have developed specific "nicotine" insurance plans for smokers. These programs are specific to nicotine users and as such are often considerably cheaper than buying insurance from a regular short or long term broker or house. The principle is simple the insurer's actuaries are able to identify the risk profile of a "select" group more accurately and are able to remove the extraneous risk associated with a "wide" group. They are then able to reduce the premiums and provide cheap cover. Exactly the same principle applies to specific brand car insurance for example.
Here at Cigarettes Below Cost we have tried to provide you a one stop experience! Smokers and tobacco users can indeed get smoker term life insurance at an affordable rate. Your smoking or tobacco use absolutely does not prevent you from taking care of your family's life or health insurance needs. In fact it's an area that probably needs attention. You can get a FREE insurance for smokers quote online here .
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