Life Insurance and Quitting Smoking?

What happens if your quitting smoking?

Can they tell that on your physical for life insurance?

Life insurance companies will ask you on your application for a quote and coverage whether or not you smoke. You should always tell the truth so they don't possibly decline any claim for coverage if you die.

The life insurance company may also require you to take a physical exam, blood and urine tests when you apply for your life insurance policy, depending on your age, the amount of life insurance requested, and the insurance company.

Usually, the life insurance exam will check for nicotine in your system when they perform the blood and/or urine test. Follicle tests can also be used to check for nicotine or continine in your system.

If they find out you smoke when you said you don;t on the application for coverage, the insurance company may change your rate to a higher rate, or decline your life insurance request altogether for lying about it.

You may want to compare rates and plans for term life insurance for smokers to help you find the most affordable life insurance from the highest rated life insurer.

In addition, there are life insurance plans that do not require any physical exam, blood or urine test.

You can get an instant quote and apply online in minutes. You may qualify for up to $500,000 of term life insurance no exam required, just a few health questions. Once approved, you can start your life insurance the same day.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

Life Insurance and Smoking?

I want to get life insurance on my husband and myself.

When it asks have you ever smoked, should I say no if we don't currently smoke?

How will they know? We smoke electronic cigarettes (smokeless) so I don't know what to tell them. I don't want to pay a lot more since we aren't smoking cigarettes.

Also, it asks have you had a DUI citation and we both have but it was 10 years ago.

Do I have to disclose this - I mean will they find out? Any other information or advice you can give me will be beneficial.

You should always answer all questions truthfully on an application for life insurance coverage. The insurance company can contest payment, and deny coverage on your life insurance if they find out you lied.

The insurance company will be testing you for nicotine. If you have any nicotine in your system, it will be picked up, and if you say "no" for smoking, they'll flat out decline your application. Or, they may charge you the smoker rate for coverage.

Yes, they can find out about the DUI, also, and most likely they will find out when reviewing your application for life insurance. They can check your driving record.

But more importantly, if your husband gets hit by a truck next year and dies, are you OK with it, if the insurance company doesn't pay out? Because they can - and will - check to see if you lied on the application (that's called fraud), and if you DID lie, it voids your coverage.

The bottom-line is don't lie on your application for life insurance because it may result in you either being denied for life insurance, or your life insurance coverage not paying out on a claim when you or your husband die, because you lied, and misrepresented yourself on the application.

Here's how you can compare term life insurance for smokers and request free, instant rate quotes to help you find the most competitive prices for your life insurance policy.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

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.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate