Reader’s Question: If I don’t admit that I am smoking, would the insurance company in Hartford, Connecticut know about it? What will happen to me if I lie? Erwin Hartford, CT Smokers are considered an insurance risk because they pose high risks for health problems compared with non-smokers. Smoking has relevant effects on health, and [...]

Reader’s Question: I will be buying my own life insurance soon in Hartford, Connecticut. How do the insurance companies check if I’m a smoker or not? Dude Hartford, CT Hello Dude I am from Hartford too and I should know. Life insurance companies in Hartford will basically know if you smoke by the data you [...]

Reader’s Question: I’m a smoker and I understand that I might get high premiums when I buy life insurance in Connecticut. Nevertheless, I would like to ask, is there ever a cheap term life insurance for smokers like me? Eli Bridgeport, CT Hi there, Eli You’re right that smokers may get high premiums on life [...]

Reader’s Question: Does light smokers get the same term life insurance rate as the chain smokers Connecticut? John Thank you for asking John. All life insurance companies in Connecticut will offer smoker rates regardless if you smoke cigarettes, cigars, chew tobacco, or nicorette gum etc. The few life insurers that will offer non-smoker rates to [...]