If you are a smoker and you have recently applied for life insurance, you will have noticed that not only are you asked if you are a smoker - or a user of tobacco products - but that you will be expected to give a urine sample for analysis for evidence of tobacco products. If you answer in the affirmative, your premium will go up by around 100%.
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Find a Specialist Smoker Term Life Insurance Company
However, you can find companies that specialize in smoker insurance of all kinds, but in particular smoker life insurance. Of course, smoking increases the risk of early death, and therefore no insurance underwriter will ignore smoking as a factor, but these special smoker life insurance policies reduce the premiums that normal life insurance companies ask.
It is really worth your while looking at the specialist: a smoker term life insurance company, if you do smoke. Remember to be truthful on your application form - the urine test will detect if you smoke - or the insurance company can refuse your application or charge you the much higher premiums. A specialist smoker term life insurance company discounts this increased risk to a large extent, and you will benefit by paying lower premiums.
Online Smoker Insurance Quotes
You can find a smoker term life insurance company on the Internet, making it easy for you to get a smoker life insurance quote online. If you compare several of these quotes you will be able to find the best buy for you, and you can then buy straight away.
Smoker life insurance makes sense if you smoke and want to protect yourself and your family in the longer term, so you need to check out the specialist smoker life insurance offers.
About the Author
Mary Hobson is a consultant for technology start-ups in Russia. She has also worked as an executive officer in a defense facility and as a university lecturer in computer science and management information. Mary earned her first degree in textile marketing and subsequently studied education and computer science at a Master's degree level.
