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Smokers & Nicotine User's Life Insurance

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Overview

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One Smoker's
Thoughts

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Another Smoker's
Thoughts

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Recap

SMOKERS & TOBACCO USER'S LIFE INSURANCE

Let's face it, life insurance companies don't seem to treat smokers very nice.

As you may have noticed, if you've done any shopping around on the internet or through an agent, the life insurance rates for smokers can be extremely high. With rates that high it's a wonder if the insurance companies even want your business. While higher rates for smoking may be understandable (because of higher mortality risk) the vast majority of life insurance companies make absolutely no distinction between the person who smokes a pack or cigarettes a day, and the person who has a few cigars a month, or the person who's on the patch with a person who's actually smoking cigarettes.

People on the patch and nicotine gum pay the same rates too as the pack a day smoker. It doesn't seem fair does it? Fortunately, we know that companies that will cut some of you a break! While most companies have little appetite for smokers and tobacco users, if you know where to look, there are bargains to be found! We know this industry and take a lot of pride in being able to find smokers, and tobacco users the very best rates they will qualify for and the companies that will compete for your business.

We also have relationships with companies that will treat you as a 'non-smoker' if you smoke occasional cigars. We even have access to programs that will allow you to use nicotine gum and be on the patch or chew tobacco and still get a non-smoking rate without having to take a medical exam. Additionally, we have access to the least expensive 'smoker' rates on the market in which you don't have to do an exam to obtain coverage! — these rates are often much less expensive than the 'preferred smoker' rates at most life insurance companies. If you are willing to do an exam and try to qualify for a preferred smoker's rate, good news, we have access to the least expensive rates there too.

And when you quit smoking we'll be here to assist you in getting your rate lowered to a non tobacco rate

Click here for
a Smoker's Tobacco Quote Now!

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One Smoker's thoughts — have you thought like this?

I'LL GET THE COVERAGE WHEN I QUIT SMOKING

Did you know that you have to have quit smoking minimally for 12 months before an insurance company will consider you for a standard non smoking life insurance rate? It's true. Other companies have 2 or 3 year requirements. That means if you quit smoking 2 years from today — you'll have to wait at least another year to apply. Also, can your family afford to wait for a day that might never come? More importantly, can you guarantee you'll be healthy enough to qualify for coverage at that time? Remember, the number one thing that prevents people from getting coverage are health issues. The better way to go about this is to secure coverage now while you are healthy. Sure, you'll pay more now because you are a smoker. But if you quit down the line, you can easily have your rate adjusted. Moreover, you won't have to worry about securing coverage at a higher age and potentially worse health down the line.

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Another Smoker's Thoughts — WOW THIS IS TOO EXPENSIVE!
	True, as a smoker you're going to pay more for life insurance coverage. But you are also at a much greater risk. Think about the 'expense' to your family if you were no longer here; the ongoing bills, and the lack of your paycheck to help them maintain their current lifestyle. Wouldn't that be 'expensive' for them?

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To recap here are some of the things we can do for Smokers:

›	Find you the lowest Preferred Smokers Rates on the market.

›	Get you the Lowest possible Smokers rates for up to $300,000 of coverage without having to do a medical exam.

›	Get you a plan with Return of Premium (Returns 100% of your premiums if you outlive the policy!).

›	Get your rate changed to Non-Smoker once you quit.**

Use any other Nicotine Products? We can help!

›	Non-Tobacco Rates for Patch, Nicotine Gum, and Chewing Tobacco users.

›	Non-Tobacco Rates for Cigar smokers .

Please fill out our online form so that we can more accurately match you with a program to fit your profile. You just might be surprised at how affordable this coverage can be.

**Insurance companies typically require at least one year of occasion of smoking before adjusting the rate subject to exam.


	Ok I've read enough. I'm ready to request a Smoker's Life Insurance Quote! Don't hesitate to call us toll-free at 1.877.743.4240 or e-Mail us if you have any questions.
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