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