Life Insurance for Smokers

Typically, life insurance companies determine the rate of an insurance policy by factoring in your health, medical history, age, lifestyle and whether or not you smoke. Smoking is an important consideration because, due to the risks of cancer from tobacco usage, smoking increases your rate of mortality and puts you in a riskier category for an insurance rate. As a result, the monthly premium rate for smokers is higher than for non-smokers.

With eLifePolicy's no-medical term life insurance, however, you may sidestep the medical exam process by just answering a few health questions. Fill out a free online quote today!

Rate Classifications

The amount of your insurance premium is determined by your rate class. Rate classes take into account medical conditions, health history and lifestyle, including whether or not you are a smoker. Generally, there are only two classes for smokers and non-smokers. Overall healthy non-smokers receive a better rate.

Apply online today for eLifePolicy’s smoker term life insurance!

Premium Amounts

An article on the MSN website Money section listed online quotes for a 20-year term life insurance for a healthy 44-year-old male. The premium for a non-smoker was significantly lower than for someone smoking a pack a day. The article illustrated how smoking can impact your premiums greatly.

Smoker Term Life Insurance

Smokers who purchase a term life insurance policy from eLifePolicy can expect to pay reasonable rates and be approved quickly- simply fill out an online application!

Better Rates

If you decide to kick the habit, your insurance policy can be rewritten and you will receive a lower premium rate if you qualify.

Apply online today for eLifePolicy’s smoker term life insurance!