Sentences with phrase «need life insurance for smokers»

You see, if you need life insurance for smokers, it pays to shop around.
Expect the rates to be higher if you are needing life insurance for smokers.

Not exact matches

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.
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This is very important for anyone looking to purchase term life insurance for smokers, because you need more quotes than an average person.
If you have a Term Life Policy in place now and they have you listed as a smoker, and you have quite smoking for at least 12 months then we need to do a Life Insurance Policy review.
With the high cost of life insurance with a smoker's rate, you will probably have to sacrifice the face amount to a much lower number due to the fact the premiums for the face amount you really need will not be affordable.
My fiance is 53 diabetic insulin, dialysis patient, smoker, and lives home, not sure of his live span left, maybe a year or 2or3, but I need some type of final expense or life insurance for him for I would like to have the proper funeral - burial, for him but there isn't much finance, him SSDI, and I work and support our 3 kids, so what would be the best choice for me, being able to afford something that would pay for this and maybe some left to get (US) his family by, without breaking the bank.
If you are having trouble quitting smoking but still need to buy a policy, research life insurance for smokers.
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