Smokers worried about paying expensive life insurance premiums often ask about no-exam coverage. After all, they say, if I’m going to pay super high tobacco premiums anyway, I may as well skip the medical exam. That’s a logical assumption, but it’s not always correct: Many smokers can still get affordable life insurance rates even with […]
Smokers
Life Insurance for Smokers
Smoking can triple the cost of life insurance, so smokers have to be extra careful when they shop for coverage. Smokers have less room for error because they have fewer realistic choices for affordable life insurance. The same is often true if you vape, smoke marijuana, or have recently quit smoking. It’s not personal, it’s […]
How Using E-Cigarettes Affects Your Life Insurance
You probably know that life insurance companies aren’t a fan of cigarettes. You know about smoker’s rates and how expensive they can be, but how do e-cigs fit into the life insurance equation? With the popularity of smoking cigarettes decreasing and the high rates for life insurance when smoking, many smokers are turning to tobacco […]
Getting Term Life Insurance as a Cigar Smoker
Most people who enjoy cigars assume that, when it comes to term life insurance, they will automatically be given the much more expensive “Smokers’ Rates” as a result. However, this is not necessarily the case. If you smoke cigars, and only cigars (no other forms of tobacco/nicotine), you are actually eligible for non-tobacco rates with […]
