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Tips on Reducing Life Insurance Rates for Smokers

Life insurance for smokers is more affordable than most people think. Still, lower rates are available to non-smokers. Is there any way for a smoker to have premium rates reduced? Read the following tips for some helpful information. Tip 1. Many Insurer’s Will Classify You as a Smoker if Nicotine is Found in Your Samples.
  • Blood and urine samples are often taken as a part of your application for insurance.
  • Even if you have recently kicked the habit and are using the patch as support, the presence of nicotine (detected even if you are only using a patch) will lead to your classification as a smoker.
  • Some insurance providers may be willing to reevaluate your application and health status after you have been smoke free for at least 12 months.
Tip 2. Talk With Your Agent
  • Every situation is different. If you are shopping online for life insurance for smokers or life insurance for cigar smokers you may not find the most applicable quotes.
  • Talk with your agent who can:
    • Get a clear understanding of your situation and advocate for you with carriers
    • Conduct more in-depth research based on the information you provide.
    • Help you get a lower rate

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