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I had this same questions and found my answer during my quest to quit smoking in 2012. The short answer is that each insurance company is different but the average is 1-3 years without the use of tobacco products such as cigarettes, cigars, or chewing tobacco. I also found that nicotine alone is not considered smoking and many people like myself can be considered a "non-smoker" while using products like electronic cigarettes. I'm gona try a Nicomate.com electronic cigarette in 2012 and see if it works. I hope quitting smoking with electronic cigarettes proves easier than the gum, meds, and patches I've already tried! Cheers and happy 2012!
Wiki User
∙ 12y ago
Wiki User
∙ 12y agoYou can get non-smoker rates if you quit smoking for 12 months.
Some companies issue non-smoker rates policies to tobacco chewers or cigar smokers. Check with a good agent/broker what's available in your state.
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Can insurance company rate you as smoker when you are non smoker?
No
Wouldn't it be cheaper if you are a non smoker on life insurance?
Non-smokers pay lower premiums than smokers if that is your question. If you are a cigar smoker or smokeless tobacco user, you may be able to qualify for non-smoker rates with some companies.
How much does a smoker pay for life insurance?
A smoker usually pays 2-3 times, or more, than a non-smoker for the same type and amount of life insurance. Why? Because smoking may lead to chronic illnesses and other medical conditions which shorten your life expectancy.
What is the average cost of term life insurance for a 21 year old non-smoker who is in considerably good health?
I'm not sure but you will save a lot being a non-smoker. You can get a quote here www.quickquote.com
If you purchase homeowner insurance and as a non-smoker but then start smoking would this hurt your claim if it was caused by careless cigarette use?
Homeowner policies dont make any provisions about whether or not the policy- holder is a smoker. Your life insurance company might care if you took out a policy as a non-smoker and then started smoking.
What is the best term insurance rate for a 25 year old?
There are a few variables that must be considered when purchasing life insurance. Some of these include the person's age, face value of the insurance, whole life vs term, and smoker or non-smoker. In Canada, a non-smoking 25 year old male can but 100,000. 20-year term life insurance through Manulife Financial for $12.12 per month.
How do you calculate premium for life insurance policy?
You can calculate life insurance premium for a life insurance policy by requesting free life insurance quotes online or from a life insurance company. Rates for life insurance vary by insurer. Some of the factors that insurers consider when determining your premium include the following: Age, gender, height-to-weight ratio, amount of coverage, type of policy, smoker/non-smoker, your health, your family's health history, etc.
What is New York life insurance company monthly premium for smoker and non smoker 63 years old?
I don't believe that New York Life provides such quotes via the Internet. You must be in contact with an agent.
Average price for life insurance per month?
There is no average price for life insurance per month. Life insurance rates vary based on a number of factors, including: You age, gender, amount of coverage, health, family health history, occupation, hobbies, smoker/non-smoker, on medication or not, etc. Each of the above mentioned factors affect your life insurance premiums. However, you can request free life insurance quote comparisons online to find the average price of life insurance for yourself.
What is the average monthly cost for life insurance?
The average monthly cost of life insurance depends on a number of factors. There is no specific average monthly cost for life insurance for several reasons: 1. There are many type of life insurance. 2. Rates for life insurance vary by insurance company. 3. Several factors are considered when determining your life insurance rate, including: your age, gender, occupation, health, family health history, height-to-weight ratio, smoker/non-smoker, type of life insurance, amount of life insurance, premium payment option, hobbies, among other things.
Does term life exclude smokers in the definition?
If you are a smoker, then you may be wondering if you are eligible to receive term life insurance. Smokers are eligible for coverage at an increased rate of that of non-smokers.
What is harder to do if you are a smoker?
breathe oxygen enjoy an active and long life exercise date cute non smokers!
