Reader’s Question:

Im trying to get a term life insurance quote in California for smokers and they all seem too expensive for me. Can you suggest to me on how to get a low cost insurance for smokers?

Martha

Thank you for asking Martha.

Here are some points to remember to help you lower or get a cheaper smoker’s insurance rates in California.

* To get a smoker low cost life insurance quote you need to work with someone who will deals with a lot of insurers and knows how to find a competitive smoker life insurance quote.
* Some insurance companies charge less if you stop smoking tobacco, and some make you wait two or three years to get a smoker low cost term insurance rate.
* If you don’t smoke any more, there are some life insurance companies that will give you a smoker term insurance quote but others will give you a non-smoker term insurance quote assuming you will not return to smoking again.
* Some California insurers will provide you a smoker life insurance quote even if you don’t smoke cigarettes or cigars but use any kind of tobacco.
* Some California insurance providers won’t offer you a smoker life insurance rate but preferred rates if you use smokeless tobacco and some will charge you less if you smoke an occasional cigar but not cigarettes.

Goodluck!

MariCAR