Where Can I Find A Good Life Insurance Policy If I'm A Smoker?
For a lot of people smoking has been a way of life for a long time. It helps them to relieve stress and gives give them a way to relax. For others it's a social thing. Whatever reason someone has for smoking doesn't change the fact that smoking has severe health consequences like cancer and heart disease.
Many people have made countless attempts to quit smoking but it's so addictive that they may fail time after time. Smokers who have not been able to quit but still want to invest in their families future may consider getting life insurance, but it's often difficult for smokers to obtain a life insurance policy because of the health risks associated with smoking.
It certainly is not impossible to obtain life insurance for smokers but, expect to pay higher premiums. In some cases smokers will pay as much a double what a non smoker would pay for the same amount of coverage. However, if you are able to quit smoking at some point in the future you should be able to get your rates lowered.
No matter what lifestyle choices someone makes they should be entitled to obtain life insurance to help their family in the event of their death. Below is a list of some top companies that provide life insurance for smokers in the United States according to Budget Life, an online life insurance resource:
Western Reserve Life Insurance Company of Ohio Ohio National Life Assurance Corporation Liberty Life Insurance Company AXA Equitable Life Insurance Company Cincinnati Life Insurance Company Phoenix Life Insurance Company Northwestern Mutual Life Insurance Company Banner Life Insurance Company Security Mutual Life Insurance Company of New York Primerica Life Insurance Company Protective Life Insurance Company West Coast Life Insurance Company Life Investors Insurance Company of America Genworth Life and Annuity Insurance Company TIAA-CREF Life Insurance Company
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