When it comes to buying life insurance protection, rates do vary based on whether or not you smoke.
Non-esmokers pay much less than smokers for life insurance because smoking reduces your life expectancy. The shorter the time you are expected to live, the higher your rate for life insurance.
However, rates for smokers will vary by insurance company based on several factors, including what you smoke, how much you smoke, how often you smoke, and how long you have been smoking. Also, whether or not you have any health issues, or smoking related health problems.
In addition, your age, family health history, and other factors, such as, your height-to-weight ratio will impact your rate for life insurance.
That's why it is important to quit smoking if you can.
Also, make sure you compare rates for life insurance among several highly-rated life insurance carriers before choosing your policy, because prices do vary between insurers.
Here's how you can find smokers cheap term life insurance and compare instant quotes online among several leading life insurance companies to help you save on your life insurance policy.