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Have you smoked in the past year? They usually want to know if you have smoked in the last year. Life insurance policies treat smokers in a separate category from non-smokers. Due to the high health risks attached to smoking, the insurance premiums for smokers are higher. In order to qualify for non-smoker rates, most companies insist that you have been smoke free for minimum one year (though many could require a longer period of abstinence). If you are a smoker, do not give up on the idea of a policy though. There are several insurance providers that specifically deal with such high risk categories and are well versed with the underwriting process to offer you the most affordable policy that you would be eligible for.

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16y ago

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