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Wouldn't it be cheaper if you are a non smoker on life insurance?
Wiki User
∙ 14y ago
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.
Wiki User
∙ 14y ago
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What are some cheaper alternatives to Erie life insurance?
State farm has a lot of different insurance options. State farm would be a cheaper alternative to Erie life insurance. AARP is another cheaper life insurance option that Erie Life.
Can you purchase a life insurance even though you are a smoker?
Yes
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 types of problems can a smoker expect when applying for quote for life insurance online?
A current or former smoker will pay higher rates for life insurance than a person who does not or has never smoked, which applies no matter where or how the quote for insurance premiums is obtained.
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.
Is no medical exam life insurance cheaper than the other kind?
It depends, for you go for the life insurance with exam and you are not helthy, it is going to be more expensive than the no medical exam life insurance, but if you are helthy it is going to be cheaper.
How much is a unit of life insurance?
That would depend on the company, your age, your gender, and whether or not you are a smoker.
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.
What company offers the most affordable life insurance policy?
RBC Life Insurance provides the most affordable insurance. Only $392 a year! But don't be a smoker or else you won't get that rate.
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.
How much does life insurance costs?
Life insurance can have a very low cost, if purchased at a young age, non smoker and good health. The premiums do not increase for the length of the insurance contract (unless you get an Annual Renewable Term). Term life insurance is cheaper than permanent life insurance, because of the mortality risk. In most cases, Term Life Insurance is sufficient to cover the protection needs for mortgage protection, or loans, or until children become financially independent. Free quotes can be obtaines on various websites, comparing different insurance companies. Ultimately, a good agent can find the best plan and company for you.
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.
