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Smokers Life Insurance Rates are still affordable!

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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