Reader’s Question:

Is it true that light smoker’s get the same life insurance rate as the chain smokers? I live in Huntsville Alabama.

Jane

Thank you for asking Jane.

All life insurance providers in Huntsville Alabama will offer smoker rates regardless if you smoke cigarettes, cigars, chew tobacco, or nicorette gum etc. The few life insurance providers that will offer non-smoker rates to alternate tobacco users other than cigarettes can save you 50%-100% in cost. It is important to speak with an Alabama agent that is aware of the different outlets for economic reasons as pointed out.

For light cigarette smokers, there are some life insurance providers that will offer a non-smoker rate. This is extremely competitive to the extent no other company will consider this. This is a good opportunity for you if you smoke on occasion.

The life insurance market views your health habits as a key factor in determining your health risk. By making changes in your lifestyle you may be able to bring your blood pressure readings into a safe range . Observations have revealed a crucial link that earlier studies missed because blood pressure is generally measured in doctor’s offices and clinics, where smoking is prohibited.

Goodluck!

MariCAR