Life Insurance For Smokers

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Life Insurance For Smokers

Welcome to your headquarters for life insurance for smokers

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Smokers typically pay up to twice the price a non-smoker pays for life insurance. However, each carrier puts a different price tag on tobacco use. Many insurers are willing to charge a lower premium for a smoker who's otherwise healthy.

Someone who smokes but is otherwise healthy should look for a carrier that differentiates between "standard" and "preferred" tobacco users for life insurance for smokers. You'll usually fall into a preferred tobacco user category if you are at a healthy weight, have low cholesterol and good blood pressure.

While most companies say that any tobacco use means you must buy life insurance for smokers, we have a carrier that offers non-tobacco rates to those people who only use snuff or chewing tobacco.

Benefit House Insurance Services specializes in finding the best life insurance for smokers plan. We are independent agents with allegiance to no particular company.

A number of companies offer life insurance for smokers up to $250,000 of term coverage or lower amounts of permanent coverage with NO Medical Exam.

Your application for life insurance for smokers may be completed over the phone and via mail or email. NO agent need visit your home.

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Licensed to sell life insurance for smokers in:

Ohio License #104233, Florida License #D072714, California License #0C94325, Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New York, North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin