Smoker life insurance quote Montgomery AL

Reader’s Question:

Is it really possible to get an affordable insurance rate for smokers in Montgomery AL? Will that lower my premium if I quit smoking?

Cindy

Thank you for asking Cindy.

In the highly competitive insurance marketplace in Montgomery Alabama, insurance providers are starting to realize that smokers are a big market segment who are willing to purchase elevated premiums for term life insurance coverage. You will have to tell them that you smoke and you will have to take a medical exam but since 1 in 4 Americans smoke, you won’t be alone.

A smoker can be tested by a urine test that measures nicotine levels. You might be classified as a light, moderate or heavy smoker and be charged accordingly depending on the level. Some insurance providers, do not make this distinction, and smokers are counseled to find companies that do. If you wish to get a quality coverage, be sure to tell the truth on your application for life insurance. Otherwise, there’s a possibility that no benefits will paid if in case you die. Eventually if you stop smoking you may be able to qualify for lower non-smoker insurance rates.Your insurance company may have a sliding scale that reduces premiums according to the amount of time you’ve been smoke-free. I would suggest that you shop around for an insurance company that does. Your insurer should be able to change your status from standard to preferred if you quit smoking. The right thing to do for both you and your family is to stop smoking because not only that you should be rewarded with better health, longer life but also lower term life insurance premiums if you do this. Shop around and check online in Montgomery AL websites you’ll be glad how low those premiums can be.

Goodluck!

MariCAR