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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. 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. Request a quote for smoker term life insurance today! 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 by requesting a quote through Rapid Decision Term Life can expect to pay reasonable rates and be approved quickly - simply fill out an online request here! 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. Request a quote for smoker term life insurance today!
Instant-Term-Life.com is not a life insurance company, broker, or carrier, and we cannot issue life insurance policies. This site provides free information on insurance providers and coverage options. Policies and products may not be available in all states, and product and policy information is subject to change without notice. Please contact your insurance company directly to answer your policy inquiries. Fidelity Life Association is licensed in all states and the District of Columbia, except for WY and NY. Rapid Decision Term Life (Policy Form F3600) and some riders are not available in all states. A two year suicide exclusion and contestability period applies (one year in some states). All applications are subject to underwriting approval. Our NAIC number is 63290. Life insurance without a medical exam may not be available to all customers and we make no guarantees regarding same herein. A medical exam may be requested based upon medical history and other factors. Rapid Decision Term Life is not an insurance broker or carrier. We cannot make changes to existing life policies, nor can we issue policies. Life insurance products and services may not be available in all states. Information regarding life insurance products is subject to frequent change, and while we try to keep our site as up to date as possible, we cannot guarantee the accuracy of information on our site at any given time. |
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