Smoker Life Insurance Miami Florida FL
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 is out here in Miami FL and available to you. It is more expensive than life insurance for no-tobacco users but your search should begin with a life insurance agent in Miami who knows where to look. Life insurance for smokers is competitive and carriers have different standards depending upon a wide variety of factors and your overall health history.
Usually smokers prefer a short duration term life insurance policy. This enables them to consider and take steps to quit smoking. At that point a permanent life insurance policy would most likely be available. Permanent life insurance will provide you the opportunity to build cash value. Make sure the agent you use has access to carriers in Florida FL who have aggressive and multiple smoker’s life insurance policies.
Believe it or not, many life insurance companies in Miami, FLorida offer different rates for cigarette smokers compared to cigar smokers. Life insurance companies also take into account smokeless tobacco rates. We always ask that you consider changing your smoking habit, but realize that is a difficult choice. Do not give up on life insurance and work with your agent to get competitive quotes.