Tobacco Life Insurance Policy Information

Hey Smokers and Tobacco users term life insurance can still be affordable. Check out the article below.

clipped from goidahoinsurance.com Tobacco and Smokers Life Insurance in Idaho clipped from goidahoinsurance.com If you are a smoker or tobacco product user and looking for a life insurance policy then you should be prepared for the fact that your premiums will be higher.  Smokers Life Insurance plans are simply higher due to the fact that their life expectancy is shorter than those that don’t use tobacco products.  Below is a great article talking about these points and what to expect as far as tobacco life insurance premiums and rates.  If you smoke, the likelihood of dying from smoking-related causes rises dramatically. Therefore, life insurance companies typically charge smokers higher rates than non smokers. This is to compensate them for the additional risk they incur when extending a policy to a smoker.