Cigarette smokers still can find good quality and inexpensive life insurance!

II'll bet that you didnt know that Smokers Life Insurance rates can still be affordable you just have to know who to speak to and which carrier to shop.Life Insurance actuaries could rate up the premium by 50% if you are a smoker or tobacco user in some respect. 

As I explain this in the easiest way because even if you are a smoker you still need to save money

Most company underwriting guidelines want to see that you have not used any form of tobacco for one year in order for you to get Non Tobacco premiums.  That would typically be a Standard or Standard Plus Non Tobacco rating.By quitting your smoking habit for over two or three years it's possible to qualify for the best or close to best rates.Quitting for five years or more will allow you to obtain the top rates available.  That is if you qualify per the carriers guidelines on all there other health categories.

Below are quick guidelines for the rate class a smoker might obtain

Five years of more no tobacco at all: You could actually get the Pref Best
No tobacco of any kind 3 plus years equals: Possible Preferred Quote
No tobacco or cigarettes for overr two plus years: Possible Preferred or Stadard Plus Class
No cigarettes or tobacco 1 year or more: Possible Standard Rate Class

What this means to you is simply how much you are going to pay for your life insurance premiums, plain and simple.  Now if you still smoke well then you will simply have to qualify as a Smoker.Your premiums are going to be higher and you just have to buck up and pay or quit smoking.  Ask yourself if the smoking is worth it while you are paying higher premiums.My goal is not to deride you for smoking, I in fact chew tobacoo on occasion so dont get defensive here.  I want you to be able to find quality low cost insurance to protect you and your family or business. 

Here is the good news, life insurance prices are especially term life are cheaper than they have been in years due to modern medicine extending mortality and the carriers competing with each and running a more efficient company.  So we all know how much everyone hates to pay insurance premiums but this is the one insurance the once you have it in force gives you a sense of (hard to explain) calmness?  Just knowing that you have it there does give you piece of mind, trust me I am speaking from my own experience.

One of the first steps you should really do is go speak to a really experienced Life Insurance professional.You need to make sure they can represent multiple carriers!  If they are not appointed with at least ten companies ask them why and make sure the answer is really good.  Ask them if they work with a BGA (Brokerage General Agency) that has a multi-carrier platform.  Now your agent might look at you kind of weird at this point and they will definelty know you have done your homework.  Bottom line is you need to get multiple quotes from a number of carriers!

When it comes to Term Life Insurance premiums a lot of the time how much does it cost you will drive the decision on the carrier.  Buy as much as you need and can afford and come on trash the cig's there going to kill you!