Can Smokers Get Affordable Life Insurance?

Getting life insurance for smokers can be costly. If you are looking to find the cheapest life insurance for a smoker, then you have come to the right place. We can teach you how to find the best rate and even possibly get a preferred smoker rate which can save you up to 33% off a standard rate.

But first, you need to know if a life insurance company classifies you as a smoker. Which we will teach you on this page.

Second, the most important way for a smoker to get the cheapest life insurance is to qualify for a preferred smoker rate. Our quote engine is the only one of its kind that will show you prices at both a preferred and standard rate class. Once you see the prices, you need to know how to qualify for that rate.

A Botley Life Agent will tell you if it is possible for you to qualify for – and get – a preferred rate. We know how to get the best life insurance rates if you smoke.

When Are Tobacco Users ‘Not Smokers’?

Depending on the classification, you may qualify for rates as good as Preferred Best Non-Tobacco. The final price considers the frequency of your use of tobacco, and whether you test positive for nicotine. Nonetheless, Botley Life Agents know how to find the best life insurance rates for smokers.

  • When the client smokes marijuana but not cigarettes.
  • When the client chews tobacco but doesn’t smoke cigarettes.
  • When the client smokes a pipe but doesn’t smoke cigarettes.
  • When the client smokes cigars but doesn’t smoke cigarettes.
  • When the client chews nicotine gum or uses a patch but doesn’t smoke cigarettes.
  • When the client uses an E-Cigarette but doesn’t smoke regular cigarettes.

Why Life Insurance Rates for Smokers Cost More.

What does tobacco do to you? Life insurance costs more if you smoke because of the harmful effects cigarettes have on the body. The health effects of nicotine use are serious. Still, Botley Life Agents will help you find the cheapest life insurance, no matter the risks.

  • Cigarettes cause 1 in 5 deaths. 480,000 a year in US.
  • Smoking destroys almost every single organ in the human body.
  • Smoking causes many harmful diseases that increase your risk of death.
  • Increases risk of stroke, heart attack, cardiovascular and lung disease, and more.
  • Smoking causes 9 out of 10 lung cancer deaths.
  • Smoking causes more females to die from lung cancer every year vs breast cancer.

FAQ

I quit smoking. How long until I can get a non smoker life insurance rate?

Preferred Best Rate

An applicant who has not used nicotine in the past three years may qualify for a preferred best rate, but he or she must test negative for any nicotine byproducts or cotinine. Most companies, however, will not offer preferred best rates unless you have not used tobacco for five years.

Preferred Rate

An applicant who has not used nicotine in the past two years may qualify for a preferred rate with some of our companies, but he or she must test negative for any nicotine byproducts or cotinine.

Standard Rate

An applicant who has not used nicotine in the past one year may qualify for a standard life insurance rate with most of our companies, but he or she must test negative for any nicotine byproducts or cotinine.

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