Yes, any tobacco use may affect the price you pay for your life insurance policy.
Some life insurers may charge you less for tobacco use than others.
For instance, if you smoke cigars occasionally or chew tobacco once in awhile, a few life insurance companies may offer you preferred non-smoker rates for life insurance.
Also, if you get a life insurance policy that includes a rate for tobacco use, it’s possible to lower your rate in the future if you quit smoking for 1 or 2 years and remain healthy.
This is called asking for your insurance company to consider a "Re-rate" once you are tobacco free for at least 12 months.
Here's how to compare affordable smoker life insurance rates.
Some life insurers may charge you less for tobacco use than others.
For instance, if you smoke cigars occasionally or chew tobacco once in awhile, a few life insurance companies may offer you preferred non-smoker rates for life insurance.
Also, if you get a life insurance policy that includes a rate for tobacco use, it’s possible to lower your rate in the future if you quit smoking for 1 or 2 years and remain healthy.
This is called asking for your insurance company to consider a "Re-rate" once you are tobacco free for at least 12 months.
Here's how to compare affordable smoker life insurance rates.
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