Term Life Insurance for Smokers 

Term Life Insurance for Smokers

As a smoker, you might be worried that you'll be unable to get the life insurance coverage you need to protect your loved ones. It's important to realize that many Americans out there smoke and need insurance coverage like you do. There are life insurance companies that are able to provide coverage at affordable rates for consumers. If you're on the market for term life insurance for smokers, you should do your research to get a policy that suits both your needs and your budget.

The Issue of Having a Medical Exam or Not

Some people out there think that it's always better to opt for no exam life insurance for smokers. While this is sometimes true, it's not always the case. In a lot of cases, a policy that requires a medical exam might be best. This is especially true for light smokers or those who smoke tobacco types that don't involve inhaling like cigars.

A medical exam will inevitably detect tobacco and nicotine in a prospective policy holder's body. However, it's important to note that it's never a good idea to lie about a tobacco consumption habit for a policy that doesn't require an exam. Even if the insurance provider didn't require an exam, they're likely to find out about the tobacco habit at the time of the policy holder's death and may then have grounds for denying the death benefit.

Should Patients Quit Smoking to Get Life Insurance?

For those with a long ingrained habit of smoking, quitting can be easier said than done. If you don't have any problems quitting, than by all means do so. It's good to know that you typically only need to quit for a period of 12 months to classify as a non-smoker when you take out a new life insurance policy.

However, too many people forgo getting life insurance for smokers until after they quit. This creates a huge challenge and can disrupt an individual's life. Consumers who try to wait until they've quit often find quitting much harder than they planned for. Then, they never manage to quit and therefore don't have the coverage they need when they need it.

It's important to be realistic when you're selecting a life insurance policy that you'll be committing to for years to come. Things could get complicated if you quit for your life insurance and then start smoking again. The bottom line is that you want to make sure that your death benefit will not be compromised and your loved ones will get the support they need if and when you pass away.

Term Life Insurance for Smokers

Different Types of Smoking and How They Will Affect You

If you use any type of tobacco product, you're expected to disclose this when you take out a life insurance policy. Likewise, you should make a full disclosure if you use marijuana. Don't make the mistake of assuming that you're off the hook simply because you don't smoke cigarettes, but there are certainly still options for life insurance for weed smokers.

Those who use tobacco products other than cigarettes might want to opt for a term life life insurance for smokers that involves a medical exam. If you're smoking but not inhaling, you may have less tobacco and nicotine in your body and lungs in particular. This can make life insurance providers more willing to offer you the competitive rates that you're looking for.

Some products that insurance companies also consider to be under the same 'smoking' category are:

  • Cigarettes
  • E-cigarettes / vapes
  • Tobacco chew / snuff
  • Cigars
  • Cannabis

Making the Best Choice for Your Unique Situation

You need to evaluate your habits and determine what the best move is to make. You probably know by now whether you're going to quit in the near future. Even if you take out your life insurance policy while you're smoking and quit, you could potentially be able to alter the terms of your policy if you manage to make a healthy lifestyle change. You can also opt for a shorter life insurance term in the meantime if you think you will be quitting some time soon.

It's important to carefully evaluate how much coverage you need. If you are quotes expensive premiums because of your smoking habit, you might want to consider how much coverage that quote was for. If your loved ones could get by on less coverage and lower rates would make the policy affordable, try connecting with a life insurance broker or agent for some different options and see what lower coverage would work out to in premiums for your term life insurance for smokers.

Disclaimer: TermLifeInsuranceUSA.com is not a licensed insurance agency or broker. The content of this website is for informational and comparative purposes only and is not intended to take the place of professional advice from a licensed insurance agent. TermLifeInsuranceUSA.com recommends that all consumers consult with a licensed insurance agent before purchasing any insurance policy.

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