Smoker Term Life Insurance Plans

Finding and buying affordable smokers life insurance plans is not as difficult as it once was if you know how to look for them and who to speak to. Yes it's true if you smoke your annual premiums could end up being almost double of what you non smoker counterparts end up paying. But just because you smoke doesn't mean you have to break the bank when you go to buy a new life insurance policy.

Most company underwriting guidelines want to see that you have not used any form of tobacco for one year in order for you to get Non Tobacco premiums. With one year of no smoking or tobacco you could possibly qualify for their standard or standard plus rate classes. If you have quit for two years up to three years then you may qualify for Preferred Rates. If you have quit for over five years you just might get the best rates possible. That is if you qualify per the carriers guidelines on all there other health categories.

If you stop using tobacco these could be your possible rate categories issued from the carrier:

For Preferred Best you would need to quit smoking for at least five years:
Preferred rate class possible if you stop using tobacco for three plus years:
Standard or Standard plus non tobacco rate's possible if you quit for two or more years:
One year no tobacco maybe a Standard Rate Class:

Click here to get a free Smoker Life Insurance Quote.


These rate classes are guides for you to review over with your agent or broker for help in determining how to quote you for accurate premiums youll pay. Now if you still smoke well then you will simply have to qualify as a Smoker.

This is just a quick little guide to try and help you obtain the absolute best and most affordable smoker term life insurance quotes. Make sure you work with a really good life insurance agent or broker to help you in your search for the best plan for you and your family.