Life Insurance & Smokers

Are You Smoking And In Need Of Life Cover?

Any life insurance company will cover a person that is smoking, because a big part of the population is smoking. The biggest difference between smokers and non-smokers regarding life insurance is the premium. A person that does not smoke will pay less for a specific cover than a person that is smoking.

Why does a person that smokes pay more for life insurance than a non-smoker? It is simple, people that smokes are more open for health issues or diseases than a person that does not smoke. Also, people that have and existing condition that smokes are at greater risk of getting worse. Smoking is not good for your health, and you are a higher risk client for life insurance companies than a non-smoker.

But, do not let this put you off from getting life cover. There will be places out there that will give you and affordable rate on a policy. Remember, each company is cheaper than the other, this way you will get great benefits for less.

It is also important for you to have that cover to look after your family in case of death, serious injury or cancer. Your life insurance company will provide for your family financially, as well as for you!

It is best to get a life cover when you are a smoker, be at peace knowing your loved ones will be provided for...