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 is getting life insurance.

The good thing about these two things coming together is that if the insurance company providing for your smoker life insurance has solid proof that you are indeed trying to quit, you’re sure to get discounts on your premium.

Life insurance companies in Greenwich Connecticut CT do not only see black and white when it comes to smoking. So they don’t only see clients as smokers and non – smokers. They take it into consideration that smokers vary from the degree of smoking habits that they have. This explains why premiums vary for every type of smoker. A regular smoker would indeed get a higher premium rate than an occasional smoker.

Because of serious health complications and the huge possibility of premature death caused by smoking, a smoker is deemed as a high risk policy holder – and is thus charged more than a regular smoker. So the best advice I can give you is to give up smoking completely. Right now, you may still need to get smoker life insurance policy, but when that expires and you need to renew it, you may be able to avail of the regular life insurance policy. This is way cheaper than smoking life insurance.

For the meantime, you can shop around insurance companies in Greenwich Connecticut CT and ask about discounts they give to potential smoking quitters. This website can help you do that by simply filling out the relevant form that you see in this page. Other websites like this one can do that for you too.