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 are charged with higher premiums or fees when they apply for life insurance in Miami Florida FL, and I believe in the other parts of the world as well. It has been proven by many research and studies that smoking actually causes many diseases and actually results to shorter life spans over the years. Life insurance companies in Miami Florida FL will definitely label this as a high risk and collectively, the insurance industry has come up with a specific life insurance for smokers called the smoker life insurance.

The good thing about this smoker life insurance is, while its premiums will still be considerably higher than ordinary life insurance, the difference has certainly reduced over the years. When in the past smokers had to pay double or triple premiums for life insurance, this is no longer true nowadays.

What you can do, Jana, is check for yourself if you do not believe your mother and me. Using the online shopping tool provided for you on this page, you can compare proposals for life insurance and smoker life insurance. To do this, you need to run the tool twice, first posing as a non-smoker and then next posing as a smoker. Maintain everything else the same and change only this fact, and see for yourself if a smoker life insurance policy is indeed more expensive than a regular life insurance policy. Oh, and by the way, it will start when you enter your zip code on the space bar.

Tags: cheap smoker insurance, life insurance leads, smoker life insurance