- Read An Opinion On:
- Compare Green Slip Prices
Submitted by: George Tan
Finding smoker life insurance can be challenging. Some insurance companies decline to cover smokers altogether. The companies that do cover smokers generally charge a higher rate. (How much higher? In some cases, it can be double or triple the rate that non-smokers pay.) Some insurers charge the same high rate regardless of whether the policyholder smokers four packs of cigarettes a day, smokes a cigar once a year, or chews tobacco; others charge a different rate scale for each.
Some insurers define smoking as having smoked even just once within the past one, two, five, or even ten years. Some insurers reduce your rate if you stop smoking and you stay quit for two or more years. Others follow different guidelines.
The good news is that, even if you smoke, you can (and should) buy life insurance. And you may be able to find more options affordable options, from well-known companies than you ever imagined possible. The key is comparison-shopping.
That used to be easier said than done. Comparison-shopping traditionally meant going from one company to the next, one agent to the next, filling out form after form, waiting for their reply.
Now, there is a more efficient way to do comparison-shopping. Thanks to a breakthrough in software technology, you can now get quotes from many different insurance companies all at one time, all in one place. You used to have to go to the insurance companies; now they come to you.
And here s the best part: The service is free. Free of charge. Free of obligation. Free of hassles. You answer a few short, simple questions. Answer them honestly, including the question about smoking. A life insurance quotes for smokers is a contract, and most have something called a two-year incontestable clause that allows them to challenge a death claim made against your policy. If you lie on your application and state that you are not a smoker but then you die from a disease related to lifelong smoking, your policy may be invalid. You dependents may get nothing. And the money you paid in premiums year after year is wasted.
Once you answer the brief questions, click just one button to get all your quotes. Immediately, you will see quotes from multiple companies offering you their very best coverage for your needs at their very best rates. You can pick the one that fits your budget. In many cases, you can pay right away using your credit card. In certain cases, you can even download a copy of your new policy, print it to file with your records and within minutes, you have secured coverage that will protect your loved ones financial future.
So before you reach for another cigarette, first visit a free, unbiased online insurance quoting service such as SmokerLifeInsurance.us. Get all your quotes at once. Weigh all your options. Take your pick. And own your policy right here, right now. With it comes peace of mind and the knowledge that you have done the right thing to secure your family s financial future. And that benefit is priceless.
About the Author: For information about smoker life insurance kindly visit this site:
smokerlifeinsurance.us
Source:
isnare.com
Permanent Link:
isnare.com/?aid=1113613&ca=Finances