Monday, December 5, 2011

Do I Have to Quit Smoking to Get Life Insurance?

You do not have to quit smoking to get life insurance. Of course, it is always advisable to try to quit smoking, if possible, for health reasons. And yes, you will probably find more life insurance options--as well as more affordable options--if you are not a smoker (and have not been a smoker for at least one or more years). But just because of that doesn't mean that you can't get smoker life insurance. In fact, you may be surprised at how many options you have for coverage…and just how affordable they are.

Without doing comparison-shopping, however, you might conclude otherwise. You might find that the first company you happen to try is one that doesn't cover smokers at all. That could be discouraging. But hopefully, you would move on and try another company. That is the traditional way of comparison-shopping for life insurance, whether you are a smoker or not. And the fact is, it can be pretty tedious and time-consuming: going from insurer to insurer, agent to agent, filling out forms at each, waiting for their reply…

Now, there is an easier, faster way. The key is new state-of-the-art software that enables a new kind of online quoting service to gather quotes from many different companies all at one time, all in place. All you have to do is answer a few short, simple questions. Then click one button to get your quotes. And immediately, you see quotes from companies across the insurance industry, all competing to offer you and other smokers the best possible coverage at the best possible rates. You pick the policy that meets your needs and fits your budget. If you need help, a licensed agent, not affiliated with any insurance company, can help you sort out your options. In many cases, you can conveniently pay your first premium as soon as you select your policy, using your credit card. You may even be able to download a copy of your policy to print and file with your vital household documents.

And all within a matter of minutes, you have secured life insurance for smokers, that you can afford…that protects the financial security of your beneficiaries…and that gives you the peace of mind that comes only from knowing you have taken two smart actions: You have obtained life insurance to safeguard your loved ones. And you were a smart shopper in the process; you relied on an unbiased quoting service to help you see all your options and compare rates to get the best value.

Here's the best part: It costs nothing to use an unbiased, unaffiliated online quoting service. It is 100% free of charge, 100% free of obligation, 100% free of fine print and "subscriptions" and hidden fees…100% free of hassles! And it is 100% dedicated to helping you find life insurance that you can live with: the right kind of coverage at the right price. It is definitely worth looking into. What do you have to lose, except that nagging worry that comes with having no life insurance? Now, there is a solution: Use a fast, free quoting service such as

By: George Tan
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  1. It is very easy to say and very easy to listen but in real it is not that easy to quit smoking. This blog was very good and i have gotten the real information i think.

  2. I agree with your opinion, that quitting smoking is not easy. thank you for your comments.... have a nice day :)