Reader’s Question: Exams are a pain so I tend to smoke to keep bring down the tension afterwards. It’s the only time I smoke, I swear! Will this boost up the premiums if I get a universal life insurance policy in Stamford? Zachary Stamford, CT Oh, Zachary, lots of people say the same thing about [...]

Reader’s Question: I’ve been a smoker for a long time and am planning to quit soon. I’m also looking forward to getting smoker life insurance. Will quitting get me a cheap insurance policy? Zack Greenwhich, CT Quitting smoking is perhaps the best thing you can do for yourself right this very moment, second to which [...]

Reader’s Question: If I don’t tell my insurer that I am smoking, would the insurance company in Hartford, know about it? Will anything happen to me if I lie about my smoking? Erwin Hartford, CT Smokers are considered an insurance risk because they pose high risks for health problems compared with non-smokers. Smoking cause serious [...]

Reader’s Question: Can I be qualified for the universal life insurance non smoker rate if I stop smoking for 6 months? Gene Thank you for asking Gene. To qualify as a non-smoker for your universal life insurance coverage , most insurance providers insist that you must not have “smoked or otherwise consumed any form of [...]