Online Insurance Marketplace Writes About Term Life Insurance For Smokers

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Online Insurance Marketplace (, announces new blog, "Term Life Insurance For Smokers!"

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Online Insurance Marketplace has released a blog talking about term life insurance for smokers and how smoking can affect the premium rates!

Smokers will have to pay more for life insurance. This is because of the many diseases and health problems caused by nicotine.

Agencies will offer policies at increased rates in order to cover the potential risks of insuring a smoker. However, life coverage is an important investment and people should not be discouraged from purchasing a policy if they are smokers.

If one is a casual smoker, he or she might get cheaper rates, but normally agencies do not ask how much one smokes and even if they do, there are little chances that they will take one’s answer into account.

Consuming tobacco will increase one’s life insurance premiums. This is best illustrated through an example: two quotes for a 20 year term life insurance policy with a coverage of $200,000. In both examples, the applicant is a 30 years old male.

A non-smoker will get: $12 a month, while a smoker will have to pay $53 per month! As one can see, the rates are almost five times higher in the second example!

Online Insurance Marketplace is an online provider of life, home, health, and auto insurance quotes. It is unique in that this website does not simply stick to one kind of insurance carrier, but brings the clients the best deals from many different online insurance carriers. This way, clients have offers from multiple carriers all in one place, this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit

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Russell Rabichev
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