Wouldn't it be cheaper if you are a non smoker on life insurance?

Does smoking affect your cost of life insurance?

yes, if you smoke your premiums for your life insurance may be higher than if you were a non-smoker.

Why? Because, smoking can lead to health problems, and shorten your life expectancy.

Smoking can lead to health issues, such as, emphysema and lung cancer.

Life insurance companies base your acceptance and the premiums you pay on your life expectancy - how long they expect you to live, and keep paying premiums.

Generally, smokers have a shorter life expectancy, so they pay higher rates for their life insurance coverage.

However, not all smokers are the same, they may smoke different things, such as, cigarettes, cigars, or pipes. And, the frequency and amount you smoke will impact your rate for life insurance.

Now, some life insurance companies have several different rating categories for smokers based on your frequency and amount of smoking. This may enable you to get a more accurate, and competitive rate for your life insurance coverage.

Here's how to learn more about term life insurance for smokers and find out how much your life insurance may cost of you smoke.

Or, if you don't smoke, you can compare non smoker life insurance rates online from several leading life insurance companies to help you find the most affordable life insurance plan.

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Disclosure: Compensated Affiliate