Life Insurance Rates for Smokers
Smoking is the number one cause of premature death and is responsible for killing over 400,000 people annually in the United States. If you smoke or use tobacco, you are increasing your risk of contracting some of the serious diseases, including lung cancer, throat and esophagus cancer, heart disease, chronic obstructive pulmonary disease, stroke, diabetes, and obesity.
Life insurance for smokers is much, much more expensive than life insurance for nonsmokers. As a smoker, you could dramatically lower your premiums by quitting smoking… or never starting to smoke in the first place. However, this means that some people will struggle to get hold of life insurance.
As a smoker, you could dramatically lower your premiums by quitting smoking… or never starting to smoke in the first place. However, this means that some people will struggle to get hold of life insurance.
This is where life insurance for chewers will make a difference. It is a policy for those who chew and spit tobacco. It is designed to encourage those addicted to chewing tobacco to quit.
Many life insurance companies now offer life insurance for chewers alongside conventional life insurance plans. The main benefit of these policies is that they offer an alternative to smokers who would find it difficult to get traditional cover.
What are the Best Life Insurance Companies for Tobacco Users?
No-smoking clauses are becoming more and more common in doctor-hospital contracts. If a person who uses tobacco products want to get a job or stay in the job they are already in, they must face increasing difficulty in finding medical professionals who do not place restrictions on their care. If a person who uses tobacco products becomes very ill or dies, their survivors may be unable to find a health care facility to treat them.
When a non-smoker dies, the family is able to collect awarded life insurance benefits freely. When a smoker dies, the life insurance company may hesitate t