Reader’s Question:

I am a smoker and I am looking for a cheap smoker life insurance in Tallahassee, Florida. Will my premium go down if I quit smoking so soon?

Dina

Tallahassee, FL

Hello there, Dina.

Chances are, you will get discounts from your life insurance company if you have definite proof that you are trying to quit smoking. Most life insurance companies would offer substantial discount who decide to quit smoking so that people will be discouraged from smoking.

Life insurance companies give consideration that there are different habits of smoking and that there are different substances that are being used too. This is primarily the reason why most smoker life insurance premiums vary for every type of smoker. One who smokes regularly would automatically get a higher life insurance premium than those who smoke on occasions.

Still the best option for you to avail of cheap smoker life insurance in Tallahassee is to quit smoking forever. But if you cannot do that for some obvious reasons, then the least you can do is to cut down on smoking. Let’s say if you currently smoke 20 sticks a day, you can slowly reduce your smoking habit to 15 per day, down to 10, then to 5, until you reach the point when you wouldn’t crave to smoke at all.

There is reason good enough why most life insurance companies charge higher premiums for smoker life insurance policies. This is by calculating the risk factor upon the insurer once they cover a smoker. Cigarette smoking can cause multiple health complications and smokers have a very high risk of premature death.

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