Over the past ten or so years term life insurance rates have come down tremendously. So even if you chew or smoke it is time to get some term life quotes to protect your family or business. This is a great article outlining how to get the best smoker rates and quotes and what rate class to expect if you quit smoking.
II’ll bet that you didnt know that Smokers Life Insurance rates can still be affordable you just have to know who to speak to and which carrier to shop.Life Insurance actuaries could rate up the premium by 50% if you are a smoker or tobacco user in some respect.
Below are quick guidelines for the rate class a smoker might obtain
No cigarettes or tobacco 5 years or more: Possible Best Quote
No cigarettes or tobacco 3 years or more: Possible Preferred Quote
No tobacco or cigarettes for overr two plus years: Possible Preferred or Stadard Plus Class
No cigarettes or tobacco 1 year or more: Possible Standard Rate Class
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clipped from lifeinsurance-pros.com
clipped from lifeinsurance-pros.com
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