The Ultimate Life Insurance Advise For Smokers- By: andrew crawley

Description : Life insurance is a great way to assure the financial safety of your family, should anything happen to you. However, if you are a smoker, you are at a risk of paying more, due to your habit. Take note that insurance companies put occasional smokers and heavy smokers in the same boat. If you have that occasional cigarette on a weekend, you are still just as much a financial liability as the heavy smoker who goes through a pack or two a day.

If you have smoked even one cigarette, cigar or used a smoking pipe in the last 12 months, you are considered a smoker. People who chew tobacco or use nicotine patches still fall under the category. Basically, just one puff in a 12-month period will cost you more, for your insurance premium.

The financial consequences of smoking go further than the money spent to purchase your cigarettes. Aside from the health risks, you will have to bear the brunt of higher life insurance quotes, in comparison to non-smokers. Even so, you may be able to get cheap life insurance quotes from insurance providers. Here are a few tips to getting affordable quotes.

Quit Smoking - While this may sound like a harsh suggestion, it is inevitable for those who want to pay cheap life insurance. If you can muster the determination to quit smoking fora year, you will be able to fall under the non-smoker category and therefore, you will pay less. If you were to compare the life insurance quotes of smokers and non-smokers, you would notice the difference in premiums. There simply is no other way for you to avail of life insurance at a cheaper rate.

Life insurance quotes - Apply Years After You Have Quit - If you have not smoked in at least two years, the company will be able to consider you less of a liability. You may be allowed to avail of a regular life insurance policy. The lung tissue is said to heal 5 years after complete smoking cessation. Therefore, it may be best for your physical and financial interests that you enrol in a policy then. This will also help disprove the "once a smoker always a smoker" adage that most insurance companies believe in.

Shop Around For Life Insurance Quotes - Die-hard smokers who choose to continue smoking have no other recourse but to consider shopping around for cheap life insurance for smokers. You can visit trusted insurance agencies in your area and compare quotes. Search the internet for reputable insurance providers in your area. Some companies allow individuals to compute their personalized quotes online. You may browse through the company websites to find premiums that are priced to your liking.

Smoking is a dangerous habit that could prove detrimental to your health in the long run. While it may be hard to quit, your family and their quality of life will benefit greatly from your determination to do so. However, if you choose to keep smoking, invest in a life insurance plan that offers the most affordable pay rate possible.

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Author Resource : Finally, make sure you check our excellent free report on life insurance, this research is on how to find a excellent life assurance in your area.