Smoker Life Insurance Texas TX

Reader’s Question:

I’m a smoker living in Houston, TX. Will it be difficult for me to get a term life insurance?

Malcolm

Houston, TX

Good question Malcolm. I don’t think that it’s difficult for smokers like you to get a term life insurance, but it’s not going to be easy as well. You have to consider the fact that smoking’s financial costs commonly have a negative impact on a term life insurance policy. Insurance companies know the high level of risk involved when they offer term life insurance so that is why it’s costly for smokers to get a policy. This is because habitual smoking poses a higher certainty that smokers will suffer more serious diseases in the future and even a higher possibility of death.

On a term life insurance, smokers are usually assigned higher rates than non-smokers. Today, smoking is one of the leading causes of deadly illnesses like cancer. And because of these risks in health conditions, a smoker becomes a high health insurance risk that in effect, leads to higher premium prices.
Smoking cigars, cigarettes, pipes or tobacco chewing are all included in determining your smoker’s insurance rates. All these can be easily determined by a simple urine test to measure your nicotine levels. So be sure to be honest with your application or else you might not get sufficient benefits. Feel free to contact your local agent there in Houston to know more about premium rates for smokers.

Tags: life insurance, life insurance rate, smoker life insurance