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If you are looking for smoker life insurance plan or policy don't be discouraged because affordable term life policies are still within your grasp if you know who to talk with. Most life insurance companies will rate up your premiums sometimes by fifty percent if you smoke or are a tobacco user of some sort.

Smoker Life Insurance Quotes
If you can save money on your life insurance premiums even if you smoke isn't that worth the time reading our story.

Most smoker life insurance company underwriting guidelines want to see that you have not used any form of tobacco for one year in order for you to get Non Tobacco premiums. That would typically be a Standard or Standard Plus Non Tobacco rating. After stopping smoking for two possibly three years you might be able to obtain the Preferred Rate class offered. If you can stick it out for five years of no cigarettes you will be rewarded with the very best rates that is if you qualify medically.

Five years of more no tobacco at all: You could actually get the Pref Best
No cigarettes or tobacco 3 years or more: Possible Preferred Quote
No cigarettes or tobacco 2 years or more: Possible Preferred or Standard Plus Class

How this affects you is by how much money you eventually end up paying for your insurace policy premiums and rates. But if you cannot quit smoking then you have to pay a higher policy premium, no getting around it. Ask yourself if the smoking is worth it while you are paying higher premiums. Hey I'm not knocking you here I do chew tobacco on occasion and I used to smoke as well that's why I'm writing this post. All I want to happen here is for you to be able to get the best and lowest cost life insurance, period.

On a positive note you should realize that term life insurance prices are at their lowest levels in years due to mortality tables of people living longer and modern medicine.

One of the first steps you should really do is go speak to a really experienced Life Insurance professional. Make sure and ask them how many carriers they are appointed with! Your agent really should be appointed and ready to write business with a number of the top life carriers if not find another agent. Ask them if they work with a BGA (Brokerage General Agency) that has a multi-carrier platform. It's possible to get some weird vibes from your broker now because they know now you know what your talking about.

Determining which carrier to choose will depend sometime simply on how much the policy cost's you in premium dollars.You should purchase the most you can absolutely pay for and really now stop the smoking

Find out more about Chewers Life Insurance policies.
Life Insurance for Tobacco users