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Can a habitual tobacco user be given life insurance coverage? Yes, there are regular smokers all over the place who get life insurance. Habitual tobacco users are of course, charged higher premium rates by insurance providers. A tobacco user will depart this life much earlier than a non-tobacco user, from an insurance corporation's perspective. However, make sure you understand that the term "heavy tobacco user" doesn't exist in insurance premium classifications. If a person uses any tobacco at all they are considered a tobacco user. The majority of life insurance firms categorize you as a "smoker" if you only smoke a couple of cigarettes per week, or are just a "social tobacco user". Even smokeless tobacco users are lumped in with smokers for insurance underwriting purposes. Chronic smokers and social smokers are virtually identical for the vast majority of insurance providers. As a matter of fact, you can get a "preferred" rating (meaning you obtain lower premiums) while at the same time getting a "smoker" rating. There is such a premium category as Preferred Tobacco user. Obviously, these smokers will pay more than their non-smoking counterparts, however, they very well may pay less than an unhealthy non-tobacco user. But here is the rub. Habitual users of tobacco are far more likely to experience healthy problems than non-smokers. If you have no health problems, but still smoke, the insurance firm may issue you as a "select" tobacco user. But if you are a heavy tobacco user, be ready for your bill of health to come back less than stellar. . This is a lifestyle question on your application. If you seem to be someone who gets hardly any physical exercise, that could negatively impact on you as a raise in your premiums. As a chronic smoker, you are more likely to have emphysema, heart problems, high blood pressure, and other health complications. Likewise, if you are currently on medication for any health issues, expect your rates to be raised. So, once again, while there is no test or category for "chronic tobacco user" in life insurance, your habit is likely to be cropping up in other ways in your life; and these other ways are likely to raise your contributions. The younger your age, the better your chance of getting competitively priced life insurance rates despite your smoking habit, because it is less likely that the effects of the tobacco will have manifested in you.
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Preston Glenn is an expert on saving smokers serious money on their life insurance coverage. Download your free insider special report at lifeinsurance4smokers.blogspot.com/
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