Life Insurance for Smokers Explained in New Article

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Explore new article about life insurance for smokers that explain how smoking affect on life insurance rates for smokers.

Puffing away at a cigarette burns more than just tobacco. Apart from the money spent on a pack of cigarettes, which eventually goes up in smoke, so does one’s health deteriorate. Health problems lead to hospitalization and medical bills that are difficult to escape from. When it comes to life insurance, even insurance companies don’t favor chronic smokers. In a recent article released by, a leading independent online insurance service, the company throws light on smokers looking for a life insurance policy.

According to Alex, CEO of, “Smokers spend as much as $2,000 a year for a pack of cigarettes a day, which can actually be saved for something more important like life insurance. Smokers must be realistic about the fact that the higher medical bills they have the more risky it is for them to insure their lives.” It is obvious that insurance providers consider smokers in the high risk category and are not keen on lowering premiums. Insurance is a business and providers are not likely to offer lower life insurance rates to those considered ‘high risk’.

Insurance companies grade individuals on different levels for the purpose of life insurance, with smokers being classified as “Preferred, Nicotine”. This automatically increases premium rates, which can only be lowered gradually if a smoker kicks the habit. Alex adds, “Insurance companies ask individuals if they have smoked in the past twelve months in their application form in order to determine their health condition. Those who smoke are considered more of a liability. Moreover, insurance providers don’t want to end up paying exorbitant amounts to those who are considered high risk due to their own negligence."

When smokers do not disclose the fact that they smoke when applying for life insurance they can be charged with insurance fraud and end up with no insurance at all. Alex adds, “This is a serious matter that could have severe consequences on an individual’s finances and family as well. It is always in a smoker’s best interest to think of giving up smoking and reap the benefits of lower life insurance rates. There is always a choice and we hope everyone ends up making the right one.”

With one third of the male population around the globe addicted to smoking, and a tobacco related death taking place every eight seconds, it is time for smokers to think of giving up a bad habit for a good cause, and that is the security of their families. Spending a few dollars on life insurance is far better than ‘blowing’ up money in smoke.

See full article about life insurance for smokers.

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Alex Liteev
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