It may not seem so on its face, but obtaining life insurance for smokers is super easy.
When I tell people that I used to smoke, they are completely shocked. Being a health nut and Crossfitter, that’s the last thing that people would expect that I would do.
To my defense, it was during a stressful time in my life. While I was deployed to Iraq I smoked a cigarette at least every day. It even got to the point to where I was buying cartons of cigarettes.
My wife wasn’t keen on the idea, but I promised her when I returned I would quit for good. Since I got back home in 2006, I’ve smoked (I think) 3 cigarettes total.
How’s that for going cold turkey?
If you smoke, it’s going to hurt your life insurance rates. Since this habit carries so many health risks, smokers generally need to pay more for their coverage and also could have a more complicated application process.
If you handle your application properly though, you can minimize the extra costs you’ll need to pay. Here is a complete guide to life insurance for smokers to help you get prepared.
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