Term life insurance for smokers is temporary life insurance protection for a certain period of time.
For instance, level term life insurance provides level rates and coverage for 10, 15, 30 or maybe even 30 years.
Smokers term life insurance is term life insurance with rates adjusted for smokers, who have a shorter life expectancy due to the fact they smoke. Since smoking may cause lung cancer, emphysema, or other health problems, such as, bladder cancer, rates for life insurance on smokers are higher than for people who do not smoke.
However, the way to find the most affordable smokers life insurance plan is to compare term life rates among insurers that specialize in insuring smokers and offer several different rate classes based on your own specific smoking habits.
For example, some insurers may offer several different rate classes for smokers life insurance depending on how much you smoke, what you smoke, and how often you smoke.
Here's how you can learn more about life online smoker term insurance plans and compare low cost rates from highly-rated life insurance companies online today.