Life Insurance Thursday: How smoking affects life insurance?

No_smoking_symbol1Every smoker knows that using tobacco is a very expensive habit. However, some smokers may not realize the cost it has on their life insurance policies. If you are a smoker, we will be discussing one of the many reasons you should stop smoking in today’s issue of Life Insurance Thursday.

Life insurance rates are much higher for smokers. On average, smokers typically die about 10 years earlier than non-smokers. Smokers are at risk of a stroke, cancer, heart disease, and lung disease. This costly habit has a serious effect on the prices of life insurance. Typically, term life insurance rates are about 100%-300% higher for smokers.

If you use a form of tobacco other than cigarettes, which may include chewing tobacco, pipes, cigars, and e-cigarettes, a company may consider you in a non-smoker class. In order for a smoker to get the non-smoker rate, they will have to quit smoking for at least a year.

Today is a great day to quit smoking if you are a regular cigarette user. We want to help find you the best price on a life insurance policy. Quitting smoking is one way to save considerable amounts of money on your policy. Please give us a call today and our agents here at Community Insurance will be able to assist you with all of your insurance needs.

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