In fact, smokers may pay as much as 2 to 3 times more for the same life insurance plan as a non-smoker.
Why do smokers pay so much more for their life insurance?
Because, smoking can shorten your life expectancy, and lead to health problems like emphysema or lung cancer.
However, if you quit smoking you may qualify for lower rates on your life insurance within a year.
And, if you already own life insurance, and you quit smoking, you can ask your life insurance company for a re-rate after being smoke-free for at least 12 months.
By comparing rates on life insurance from several insurers you can find the most affordable plan from insurers that specialize in insuring smokers, and offer several categories of pricing for smokers you you don't pay more than you have to, and your rate is based on your specific amount of tobacco use.
Here's how you can instantly compare rates on life insurance for smokers to help you find the most affordable policy.