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 insurance. Nevertheless, in today’s advancement, insurance companies have developed smoker life insurance. This smokers life insurance is clearly for smoker and you can count on the premiums and face amount that suits smokers like you.

You can actually save on you premium for smoker life insurance if you stopped smoking for quite a time already. Other insurance company can even offer you non-smoker life insurance or the regular term life insurance if you stopped smoking for two to three years already. Most smoker life insurance agent would even advise you to deliberately stop smoking for two to three years so you can save more. Smoker life insurance generally costs about 50% higher than the regular life insurance.

If you think you can’t stop smoking or you feel that it would be impractical to wait for years before you can buy term life insurance, you can shop around for smoker life insurance in Connecticut. Start by getting quotes for smoker life insurance from various insurance companies in Bridgeport. Compare their rates and choose the cheapest. Just be wary to look into the coverage as well since cheap smoker life insurance may have corresponding lower coverage. Be sure to get the cheapest smoker life insurance that best suits your needed coverage.

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