Smokers Life Insurance Coverage Tallahassee Florida FL
Reader’s Question:
I’m a smoker but I would need to get a life insurance policy here in Tallahassee, Florida soon. Any tips for me?
Ramon
Tallahassee, FL
Admittedly, life insurance rates or premiums are significantly higher for people who smoke as compared to what non-smokers can get for the same type of life insurance policy and “face value” amount (the amount the life insurance company pay the beneficiaries in the event of your untimely death). Try to speak with a life insurance agent there in Tallahassee, Florida or go to the internet and utilize the online quoting systems of most life insurance portals and you will notice the huge discrepancy of rates or premiums between a smoker and a non-smoker, and you will notice its to the non-smokers advantage.
Here are a few things to keep in mind when searching for a smoker’s life insurance policy or provider:
1. There are life insurance companies that offer competitive smokers life insurance policies. Competitive, in a sense that they have relatively low premiums for a smoker’s life insurance policy. You will have to do some research on the net or speak to a well-connected or well-affiliated life insurance agent to be able to get these affordable rates.
2. Some companies can give you discounts if you quit using tobacco products when you sign up under the policy. Most will make you prove yourself by keeping clean for two or three years before you can have your rates re-evaluated to a more affordable, even to a non-smokers life insurance premium.
3. Not all companies will charge the same amount so always shop around for the nest rates available to you.
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