How to Find Smokers Life Insurance

Insurance companies typically like to protect themselves against risks. This is the main reason people who jeopardize their health find it a bit more difficult to find life insurance.

Are you a smoker looking for a lucrative and affordable insurance option? Chances are that you’ll have to do a bit more research than other people who are looking for the same product. Still, you’ll come across smokers life insurance options, as long as you know what to look for and how to compare quotes.

Can You Lie about being a Smoker

Some people looking for life insurance consider giving the company false information. Is it ok to lie about being a smoker? This is far from the best idea because providing misleading information about your health or harmful habits is considered fraud.

Usually, insurance companies will ask you to pass a medical exam before signing an agreement with you. The aim of the exam is to establish your health and determine whether you’re suffering from smokers life insurancepre-existing medical conditions. A test assessing the level of cotinine (a nicotine byproduct) could also be administered.

Keep in mind that smokers who are young, fit and healthy aren’t going to be considered a very high risk for the insurance company. Thus, it’s best to be forward about it – chances are there will still be options to find cheap life insurance for smokers.

Buy the Right Amount of Coverage

To keep the cost of smoker’s life insurance within a reasonable limit, you should consider getting insured early on in life. The earlier you make the decision, the lower the premiums are going to be.

Another thing to keep in mind is to buy just enough coverage. Don’t go for an overly-comprehensive option because it’s going to cost you more and chances are that you’ll never use the full coverage.

The amount of life insurance you’re going to buy will depend on whether you’re paying any loans/mortgage, the educational cost for your kids, your income, the length of period for which you need coverage, the insurance that your significant other has and your family medical history (there are certain risk that you should most definitely prepare yourself for).

Lower Your Health Risks in Other Ways

If you’re leading a generally unhealthy lifestyle or you’re currently experiencing health problems, you may want to decrease some of those risks before applying. Improving your overall health could offset the fact that you’re a smoker and give you access to the ideal quote.

You may want to talk to your GP and have your health thoroughly assessed before looking for insurance. Pinpoint some of your biggest problems (obesity, for example) and work on improving those. You should also lower your risk by discontinuing any potentially harmful activities (like bungee jumping and paragliding).



Seek Discounts

Insurance companies have periodical discounts and special promotions. Some of these are available to new clients; others are there for people that have another kind of insurance with the same agency.

Don’t forget to ask for a special offer or a discount, even if the company hasn’t announced one. Chances are that you’ll get a good quote.

Even if you smoke cigarettes, you can still get a good life insurance. The trick is to do your research. Refrain from settling for the first quote, take a look at options side by side and don’t hesitate to ask questions. Needless to say, the right thing to do is quit. If you can’t kick the habit to the curb right now, however, you can still discover great smoker’s life insurance quotes.

38. Getting Insurance to Cover a Funeral

If you already have ample assets to make sure that your family is not in need, You may want to get a funeral insurance policy.  Funeral insurance is, quite simply, a policy to cover funeral expenses.  The policies themselves usually have a face value less than $40,000 and do not usually need underwriting.  For someone who is older, these policies can be much more affordable than traditional term or whole life insurance coverage.

If you 65 or older and need to get some sort of policy to protect your loved ones from any unwanted expense, then a funeral policy is probably going to be the best match for your needs.

39. Finding Life Insurance for Diabetics

It is estimated that 1 out of every 10 people in the US today suffer from diabetes. Though a life threatening condition, diabetes can be easily managed and allow one to lead a normal life. All it takes is proper dieting, some body exercise and proper medication. As long as one can maintain a simple life and take his/her medication as prescribed, he/she can live a long healthy life. The only sad news however is that most life insurance providers avoid giving cover to diabetics.

life insuraance for diabetic peopleThe reason why many insurance providers refuse to give life cover to diabetics is due to the fact that, diabetes can be life threatening if not managed well. Even those taking medication and trying to live a healthy life find it very hard to find a policy to buy or use.

Insurance companies that however accommodate diabetics charge exorbitantly in premiums, and this tends to drive most patients away. This however doesn’t mean you cannot find a company charging reasonably for life insurance policies. Nevertheless, finding such companies calls for intensive window shopping for the same.

Affordable Life Insurance Policies for Diabetics

Life insurance for diabetics is beyond doubt more expensive that for healthier persons.  You can however have a policy with affordable premium rates by:

  1. Changing to a healthy lifestyle. i.e. quit smoking and drinking altogether
  2. Take your medication and be proactive by visiting your physician or doctor regularly.
  3. Keep your blood sugar in control, and body in check by exercising regularly.

It is always good to shop around for many insurance providers first. You can get life insurance for diabetics quotes from for all the companies, and then compare packages offers and premium rates. Doing this gives you a higher probability to find adequate, and affordable life insurance policies you can use despite your condition. You may also want to consult with an insurance financial adviser before making the final decision. You can also talk with the life insurance providers for a custom-made policy specifically for you.

40. No Exam Life Insurance Policies Can Be Wonderful Opportunities

Choosing a life insurance policy to suit all of your needs isn’t an easy thing to do.  Before issuing a policy, insurance companies calculate risks.  These risk are what determine the cost of the policy.  Individuals who have serious preexisting health problems or who smoke have higher premiums.  That is why purchasing a no exam life insurance policy with a fixed rate might be a better deal for you if you happen to fall into a high risk category.

no exam life insuranceNo exam life insurance polices, in general, are more expensive than policies requiring a medical exam.  They might be your most affordable option, however, if you have a serious medical condition or smoke and are therefore classified as high risk.  Before you purchase a policy, spend some time doing research on several insurance companies along with their policies.

Begin with researching life insurance companies that you know have good reputations in the insurance industry.  Contact the Better Business Bureau or look for customer reviews online.  Review the life insurance policies you are qualified for very carefully, and don’t buy one until you completely understand the costs involved in the premium in addition to exactly what the policy covers.

Applying for Life Insurance Without a Medical Exam

Don’t provide any of your personal information during your research phase.  First get quotes by answering some questions about your lifestyle and medical history.  It is very important for you to get multiple quotes so that you can really figure out what your options are, so you can use the simple form on  Start checking into no exam life insurance policies if all the prices are beyond your budget.

You have two main options at this point.  You can either buy a no exam life insurance policy and be done, or you can start taking steps towards improving your lifestyle and reducing your risk level.  For help with this, consult with your doctor.

44. Your Weight Can Save You Money

Your weight can have a noticeable impact on the premium you pay for a term life insurance policy. This is because weight is a contributing risk factor that can be connected to several other health related problems. Being overweight puts one at greater risk for diabetes, the chance of a heart attack, and stroke. If you lose weight before applying for life insurance, it will lower the cost. Women can also seek out companies that use unisex weight measurements. Credit:

45. Final Expense Insurance

Also known as burial or funeral insurance, final expense insurance can be a great option for someone who is leaving behind a very small or almost nonexistent estate. It is simply a life insurance policy, but is designed to pay for one’s final expenses; cremation, burial, funeral service, flowers, gravestone, etc. The advantage of this type of insurance policy is that it is very affordable for just about anyone, and is a great option for someone who cannot afford a traditional life insurance policy. Funeral expenses alone can be over $8,000. Most people do not want to pass on this kind of burden to their loved ones, and for them final expense insurance is a viable option. Credit: