There are many life insurance websites offering free quotes for smokers life insurance.
Among some leading quote providers are AccuQuote, Insweb, Eterm, Efinancial, and Termfinder.
These quote providers have access to a network of life insurance companies which can provide you with free, instant quote comparisons of the most affordable rates.
However, make sure you compare several quotes because rates vary between insurance companies, and some insurers specialize in insuring the lives of smokers.
In addition, there are term life insurance no exam plans which require no medical exam, just a few health questions. However, rates are usually higher than for life insurance requiring a physical.
Also, you may save money is you quit smoking. Some insurers will offer you a better rate once you have been smoke-free for 1-2 years.
If you are a smoker when you buy your life insurance, and then you quit smoking, you may request a re-rate of your policy and the insurer may adjust your premiums. However, they may make you take a blood and urine test to verify your smoke-free condition.
Learn more about smoker life insurance plans and how you may save money on your life insurance if you smoke.
Insurance without any Medical Exam,
Just a Few Health Questions.
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