While many firms do not provide smoker’s life insurance, Panichelle Insurance may be able to assist you in finding coverage at affordable prices for smokers. In comparison to candidates who do not smoke, you may not be provided the lowest prices if you smoke. If you’re looking for life insurance for smokers, there are options available.
It’s not just about cigarettes.
As you might expect, smoking encompasses more than just cigarettes; it also covers cigars, chewing tobacco, electronic cigarettes and more.
Even if you just smoke once in a while, certain insurers may still charge you regular smoker premiums because of the health concerns connected with nicotine use.
Tell the truth about your habit.
If you smoke, it’s critical that you disclose this information right away.
The presence of nicotine in your system will be detected as part of your life insurance medical exam, which is necessary as part of your application for term life insurance for smokers.
As a result, hiding the fact that you smoke when seeking for coverage is futile.
When applying for Term Life Insurance, it’s important to be upfront about your smoking habit.
This way, you’ll be directed to the alternatives that are best suited to your needs, increasing your chances of getting coverage – at a reasonable price.
Even if you smoke, it’s better to get some life insurance than none at all. As a result, devote some time to connecting with one of our agents. We can help you locate a policy that is a little more “premium friendly” when it comes to smokers. Also, talk about how you might be able to meet your life insurance needs by combining several types of policies. Have additional questions about your life insurance, please feel free to contact Panichelle Insurance at https://panichelleinsurance.com/contact-us/.