Many smokers and former tobacco users will find when shopping for the best life insurance rates that the premiums are much more expensive than the same policy for non-smokers. Fortunately, Term Insurance Brokers offers coverage from more than 40 of the best life insurance companies, and has several special programs available to help you find the lowest possible rates. Some of these programs include:
- Standard non-smoker rates for current smokers who quit within the first three policy years with John Hancock for universal life insurance policies (please complete the form below for details)
- Non-smoker Plus rates for users of chewing tobacco from Prudential and Lincoln National Life
- Non-smoker Plus rates for cigar and pipe smokers from Prudential and Lincoln National Life, no matter how many you smoke!
- Preferred non-smoker rates for former smokers that have quit for over one year
- Preferred Plus (the best rate) non-smoker rates for former smokers that have quit for over three years
You can instantly compare smoker life insurance rates by filling out the short form below – you can get your quotes in 30 seconds or less! Please feel free to give us a call at 1-800-571-2980 any time from 9 AM to 9 PM eastern time Monday through Friday, or send us an e-mail at Info@terminsurancebrokers.com 24 hours a day. We look forward to your call.