Smoker life insurance Mobile AL

Reader’s Question:

I smoke cigars occasionally and I do not smoke cigarettes. Am I going to pay the smoker’s insurance rate for my life insurance in Mobile Alabama?

Alfred

Thank you for asking Alfred.

The ways in which life insurance providers categorize treatment of cigar smokers literally differ from one extreme to the other. Some companies have taken the position that all forms of tobacco are equally harmful, and therefore charge cigar smokers and cigarette smokers the same rates. Some insurance providers take a middle-of-the-road position, charging cigar smokers more than nonsmokers but less than the heaviest-smoking class. Other insurance providers even consider cigar smokers to be nonsmokers, offering the lower rates typically reserved for those who don’t smoke cigarettes at all.

So, if you’re a cigar smoker, you may contact your Mobile Alabama insurance agent or doing some research to find the best life insurance rates available in Alabama. You should probably act quickly, too, as insurance providers could change their rules if clinical research determines that cigar smoking is more dangerous than previously believed.

Typicall Alabama insurance companies will reevaluate your rates if you quit smoking for at least a year.

Goodluck!

MariCAR