United Life Group

No Exam Life Insurance for Smokers

Are you looking for cheap life insurance for smokers? No exam life insurance for smokers isn’t easy to find, but some companies will provide coverage for tobacco users in 2016. In the US, the Center for Disease Control, or CDC, says almost 20 percent of adults smoke. Meanwhile, the CDC links smoking to about half a million deaths a year. Since smoking is a risky health habit, insurance companies may charge two to four times more for average life insurance policies. On the other hand, it is a mistake to think that you cannot find no exam life insurance for smokers.

People who smoke need to shop around for affordable life insurance even more than nonsmokers do. Other things that your rates will depend upon include your age, general health, where you live, and the insurance company that you choose to work with. To compare cheap life insurance quotes, simply enter your ZIP code in the form on this page. You can check prices from your PC or smart phone, and many quality insurers also accept applications over the Internet or by phone.

Can You Find Cheap Life Insurance for Smokers in 2016?

If you smoke a couple of packs of cigarettes every day, you will probably get classified as a smoker. Typical insurance company applications may ask if you have used any tobacco products in the last 12 months, but a few insurers have begun to differentiate between daily smokers and people who may only enjoy a cigar, pipe, or cigarette after occasional social events. There is a chance you’ll have to fulfill a life insurance nicotine test if you have a history of smoking.

If you only light up once in awhile, it is worth looking for an insurer who will give you the nonsmoker rate. If you can’t find an insurer who will give you nonsmoker rates, the good news is that you can quit smoking for at least 12 months, contact your life insurance company, and get your premiums reduced to nonsmoker rates. Even if you plan to quit in the future, you should still get life insurance now. Your family needs the protection, and you can ask to have your premiums dropped if you ever do quit smoking.

These are things to keep in mind about applying for no exam life insurance for smokers:

Compare Life Insurance Quotes for Smokers in 2016

Your good medical history and shopping around for the best rates will go a long ways towards assuring that you can find cheap rates. However, premiums will also hinge on the type and amount of life insurance you choose, so you can always adjust these things to find a policy that works with your budget. Get started by using our online system to get cheap life insurance quotes. Enter your ZIP code and browse top companies that are eager to compete for your business.