Sentences with phrase «life insurance for smokers if»

This is a commonly known fact but the extra cost of a smoker rate does not mean you will be unable to purchase Term life insurance for smokers if you shop the market wisely.

Not exact matches

If the Insured Person told us that he / she was a smoker and it has been 12 months or more since he / she last smoked or used any substance or product containing tobacco, nicotine or marijuana, he / she can apply for non-smoker rates by completing a Business Credit Life Insurance Notification of Change Form.

If you're a marijuana smoker looking for affordable term life insurance, give us a call at 877-201-8878.

If you run our quote engine you can run a quote as a non-smoker and then toggle the setting for tobacco use to re-quote the exact same plan design to see the considerable difference in what a smoker would pay for life insurance as compared to what a non-smoker would pay.

If you are interested in purchasing life insurance for Marijuana smokers and want the lowest rates possible, give us a call and we will answer all your questions with no cost or obligation.

ING will disregard cigar smoking and consider you for up to Preferred Plus Non Smoker rates if you smoke a cigar once a week or less and fully admit that you smoke Cigars on the life insurance application.

Expect the rates to be higher if you are needing life insurance for smokers.

Or alternatively, if he is a healthy non smoker, he could purchase a guaranteed universal life insurance policy with a $ 350,000 death benefit for as little as $ 3,708 per year, which would generate an tax free, cash benefit of $ 350,000 upon his death.

Do not hesitate to contact us if you have any life insurance questions or want to know more about purchasing life insurance for smokers.

If you contact us we will give you a list of term life insurance quotes for smokers and locate the lowest possible premium for you at no cost or obligation.

In fact, if you find a smoker rate at another company that appears to beat us, please leave a comment with the company name, and we'll be sure to add that company to our quote form, as we are committed to offering the best life insurance for smokers.

If you are one of these people and you are considering applying for life insurance for smokers this article should point you in the right direction and answer a lot of your questions.

Protective Life Insurance will consider you for up to Preferred Plus Non Smoker rates if you smoke less than 6 cigars per year.

Since all U.S. life insurance companies require that you quit smoking for a full year before you can get non smoker ratings, we recommend you take out a policy to cover your needs now, and then if you can quit for 12 consecutive months, you can either apply for a new policy, or apply for a health class reconsideration with your existing insurance company.

If you are looking for the best term life insurance rates for cigar smokers, this guide will provide you with the underwriting guidelines of some of the top term life insurance companies and how to get the best rates.

If you are looking for the best term life insurance rates for cigar smokers, than get quotes below or use our contact us form and I can help you find the best rates for life insurance among the top life insurance companies.

If you smoke cigarettes, you may want to read our life insurance for smokers article.

In fact, some companies are going to decline your application for a million dollars of life insurance if you're a smoker.

Health insurance and life insurance providers can make you pay more for coverage if you are a smoker or engage in other risky behavior.

If you're listed as a smoker on your life insurance application, you could pay twice as much for your life insurance versus what a non-smoker is going to pay.

You see, if you need life insurance for smokers, it pays to shop around.

Regardless of if you're a smoker or not, it's important that you have life insurance coverage for your family.

If you're a smoker, you're going to pay drastically more for your life insurance versus what a non-smoker is going to pay for the same sized plan.

If you're a smoker, then you're going to be facing drastically higher rates for life insurance protection.

If the Insured Person told us that he / she was a smoker and it has been 12 months or more since he / she last smoked or used any substance or product containing tobacco, nicotine or marijuana, he / she can apply for non-smoker rates by completing a Business Credit Life Insurance Notification of Change Form.

If you're a user of any kind of tobacco product — cigarettes, chewing tobacco, cigars, or even smoking cessation products that contain nicotine — and you're shopping for life insurance, you may have seen in your research that life insurance companies split their health categories into two major groups: smoker and non-smoker.

If you get life insurance while you're a smoker and at some point quit smoking, you can request a requalification for nonsmoker rates after you've been tobacco - free for at least 12 months.

We know that you came to this page to find the best life insurance for smokers, but the plain truth is that you could save hundreds and hundreds of dollars if you kicked the bad habit.

In addition, you have to be careful when answering questions about your health when applying for life insurance because every insurance company will want to know if you are a cigarette smoker, but this is a different type of tobacco use.

If you're listed as a smoker when you're shopping for life insurance, then you should expect to pay much higher premiums for your insurance coverage.

If you're listed as a smoker on your life insurance application, you can expect to pay higher premiums for your plan, which is going to diminish the value of the tax advantages.

If you chew, dip or use any smokeless tobacco products, you can get rid of the smokers life insurance for NON-SMOKER rates and cut your life insurance premiums in half!

If you're a smoker, then you can expect to pay drastically higher rates for your life insurance coverage.

If you are over 50, a smoker, and / or have moderate health troubles, you may be able to get life insurance but you will have to pay more for it than a healthier person or a non-smoker would.

It is much easier to get low life insurance rates for smokers if you just chew.

In this blog post I'll give you some tips for how to save money on life insurance if you have recently quit smoking, but haven't hit the 12 month mark yet and are not eligible for non smoker rates.

If you're listed as a smoker on your application, then you will be facing much higher premiums for your life insurance plan.

If you are shopping for term life insurance for smokers, there is affordable coverage out there.

If you're listed as a smoker on your application, you can expect to pay much higher premiums for your life insurance plan.

Life Insurance for Cigar Smokers: This article will tell you how you can earn a preferred nonsmoker rating, even if you enjoy the occasional cigar.

If you're a regular smoker, life insurance can be a valuable way to provide for your family in the event of an untimely death, but be prepared for a higher premium than non-smokers, period.

If you use any type of tobacco product, you'll definitely want to speak to one of our representatives about getting a competitive term life insurance quote for smokers.

If the insured person is a smoker, then you're going to pay a lot more every month for the life insurance coverage.

If you're a smoker, there are plenty of life insurance policies designed for you in mind.

Quick Tip: If you use chewing tobacco, dip or snuff and want an instant life insurance quote, fill out our instant life insurance quote form and click «Standard Plus» and check «no» for smoker and look for Prudential.

If you're listed as a smoker on your life insurance application, you can expect to pay twice as much for your coverage versus what a non-smoker is going to pay.

However, if you're looking for life insurance rates for smokers, it is important to understand you may not receive the lowest available rates because of the health risks associated with tobacco use.

If you're a smoker, you're going to pose a much great risk to the insurance company, and they are going to offset that risk by charging you more for life insurance.

Please note, if you were given «Smoker» rates from a previous life insurance application and want to re-test for the «Non-Smoker» classification, this non-smoker offer won't apply.

No exam life insurance for smokers can be an even harder hurdle, if you want to pay low rates.