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 alternate tobacco users other than cigarettes can save you 50%-100% in cost. It is important to speak with a Connecticut agent that is aware of the different outlets for economic reasons as pointed out.

For light cigarette smokers, there are some life insurance companies that will offer a non-smoker rate. This is extremely competitive to the extent no other insurers will consider this. This is a good opportunity for you if you smoke occasionally.

The term life insurance market views your health habits as a major factor in determining your health risk. If you make changes in your lifestyle you may be able to bring your blood pressure readings into a safe range . Observations have revealed an important link that earlier studies missed because blood pressure is generally measured in doctor’s offices and clinics, where smoking is prohibited.

Goodluck!

MariCAR

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