Should You Hide Your Smoking from Life Insurance Company?
Reader’s Question:
What if I just don’t tell the insurance company that I smoke? How are they going to know?
LoneStar234
Houston TX
What they don’t know won’t hurt is what your thinking. This might save you some money in the short term but if something happened and they found out this would disqualify you from getting benefits. What would that mean to your loved ones left behind? It is really unthinkable, so don’t think about lying. Tell the truth because your loved ones deserve the very best care when you are gone.
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Cheap Life Insurance for Happy Smoker in TX
I like smoking and I don’t want to stop. All of the insurance companies want to charge me more for smoking. How can I find life insurance that I can afford?
Anonymous
Anonymous,
There are actually a few niche insurance companies that specialize in covering smokers. They base their rates on the type of tobacco consumed and how often you consume them. You may be able to get the same rate as a non-smoker. Be sure to get quotes from more than one provider. If you fill out the form on this page it can help you with that. I wish you well on your search and hope you get a great rate.
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