| If you happen to be a smoker and are looking for | | | | who are not daily smokers, as they pose less of a risk |
| affordable life insurance, you may soon realize that | | | | to the insurance company. |
| high life insurance rates are just a part of life for those | | | | If you are a smoker and dread the thought of paying |
| who use any sort of nicotine. The reason for this is | | | | high premiums for your life insurance, you need to do a |
| simple to understand; smokers are more at risk for | | | | bit of comparison-shopping in order to get the best |
| such things as heart disease, cancer and | | | | price for your life insurance policy. This research is |
| cardiovascular disease than are those individuals who | | | | best conducted on the Internet, where hundreds of |
| do not smoke. The life insurance industry regards the | | | | insurance companies will provide free life insurance |
| following as tobacco products whose use may lead to | | | | quotes for smokers. You should request quotes from |
| you incurring higher insurance premiums: | | | | a number of companies, then compare what each has |
| · Pipes | | | | to offer. When you are comparing each company's |
| · Cigars | | | | quote, there are three things to be aware of: pricing, |
| · Nicotine Gum | | | | product quality and the insurance industry rating. The |
| · Snuff | | | | pricing is self-explanatory and the product quality |
| · Chew | | | | refers to the policy itself. The insurance industry rating |
| · Dip | | | | refers to the insurance company providing the life |
| · Cigarettes | | | | insurance quote, and a review of companies can be |
| · Nicotine patches | | | | found by visiting the "Standard & Poor's" website. Also, |
| Usually, when you are applying for life insurance, the | | | | there are insurance companies who specifically cater |
| agent will inquire about your smoking habits, and ask | | | | to high-risk individuals. One of these insurance |
| you if you are a daily smoker, a social smoker or an | | | | companies may be able to secure a lower rate for |
| occasional smoker. A daily smoker is of course, | | | | you in your insurance policy. |
| someone who smokes every day. A social smoker is | | | | Even though it may be a bit time consuming, you can |
| a person who smokes on special occasions or when | | | | find affordable life insurance, even if you are a smoker. |
| out with friends; maybe just a few times a week, while | | | | Be diligent in your research of companies and the |
| an occasional smoker is one who smokes in random | | | | different types of life insurance policies that are |
| situations only once a month or so. While all smokers | | | | available. Who knows, maybe being faced with a high |
| will generally pay higher rates for life insurance than | | | | life insurance premium is the motivation you need to |
| non-smokers, discounts may be available for those | | | | finally stop smoking! |