In addition to their health, smokers have more consequences than non-smokers in several ways. The likelihood that they will pay a higher insurance premium is different. Sometimes insurance costs can be twice as expensive for smokers as for non-smokers.
However, if you are looking for cheap life insurance and you are a smoker, there are a few things you need to know. You can also get information about term life security quotes for smokers through the web.
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If you avoid it, you will get a lower range of life insurance policies even as a smoker:
1) An obese smoker pays more than a regular smoker. The weight factor is an important factor in calculating your life insurance premium. There is a lot of data linking certain diseases to obesity.
2) A smoker who takes out life insurance at age 30 pays much less than if they took out life insurance at age 50 if other conditions remained the same.
3) Sports such as skydiving and auto racing increase insurance risk.
4) You get a much higher rate of term life insurance if you are in a hazardous job. This is a job that puts you at great risk. Moving to a secure job reduces the reach of your term life insurance.
As you plan, take and compare term life insurance offers from at least three life insurance sites. This gives you a broader base of comparison and thus increases your chances of getting the best life insurance quote.