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If I smoke cigarettes will it affect my term insurance premium?
Chrisamores
Of course it does... It increases your premium value.
If a non smoker pays a $100 premium you would have to pay a $102 or $105 as premium...
Typically life insurance policies will consider factors such as smoking as a health hazard. If you are a smoker, this will generally result in higher rates of insurance. However, since life insurance is a competitive business, there are companies that will look more favorably on smokers than the typical life insurance companies. You would do well to look for online insurance quote providers. They will be able to help you locate such companies easily so that even as a smoker, you can get the best policy at the most affordable price.
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∙ 15y ago
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