What is the Effect of Nicotine Use on Your Life Insurance Premiums?

How does using nicotine products effect my cost of life insurance?

Using nicotine will have a costly effect on what you pay for life insurance.

Actually, life insurance premiums for regular smokers are usually 2-3 times higher than they are for non-smokers.

That's why it's a good idea to compare prices for smokers life insurance among several companies before choosing a plan.

And, there are insurance carriers which specialize in insuring smokers for life insurance. They have more experience in insuring smokers and are better able to offer more competitive rates based on different categories of nicotine use, such as, occasional smokers, regular smokers, heavy smokers, and cigar smokers.

By offering more categories of rates for life insurance, some insurers are able to be more competitive, and offer lower life insurance rates to smokers based on their actual nicotine use.

Here's how to learn more about term life insurance for smokers and better understand your options for coverage.

Or, you can request your free, instant term life insurance quotes form over 70 top-rated life insurers offering you savings up to 50% or more.

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