Reader’s Question:   What options do I have for life insurance coverage here in Miami, Florida if I am the type who smokes regularly?   Cindy   Miami, FL   You would still have about the same life insurance options there in Miami, Florida as would a non-smoker, the only real (and big) difference would [...]

Reader’s Question: My mother, perhaps having exhausted all her arguments on why I should stop smoking, told me that I’ll get higher premiums when I apply for life insurance in Miami Florida FL. She’s exaggerating, right? Jana Miami, FL I hate to burst your bubble, Jana, but your mother is actually correct. Smokers in general [...]

Reader’s Question: As a smoker, what life insurance options are available to me? I hope there are some options for smoker life insurance in Miami, Florida. Thanks to anyone out there in Miami who can help me. Garth Miami, FL Good day Garth, Glad to know you are from Miami too! Life insurance for smokers [...]

Reader question: What kind of price can I normally get for Miami FL smoker life insurance? Rick Hey, Rick, The “Are you a smoker” question on life insurance application forms is one of the most important, and the most confusing. Since you are a smoker, your route is clear for you–you should answer yes. But [...]