term life insurance for ex and current smokers anonymous

For example, you might be diagnosed with a new health issue when stopping smoking, which could result in higher health costs. And even more importantly, you might die without having a plan in place, putting your family members in a difficult position.

There's a second unpleasant result of smoking, which is the cost of life insurance premiums. Smokers pay four times the amount for an insurance policy for life than people who don't smoke.

If you're a smoker you're likely aware of how smoking cigarettes can affect your health. Smoking cigarettes is the most common cause of preventable diseases, disability, death, and even disability within the U.S., according to the Centers for Disease Control and Prevention. Smoking is responsible for 480,000 deaths (or one in five deaths).

About 43% of life insurance applicants didn't disclose their tobacco habits, according to ExamOne, which performs medical exams for life insurance companies. That's based on the number of people who had cotinine in their testing analysis but said they didn't smoke. Younger applicants are the most likely to fail to disclose their tobacco use.

If you're a smoker, you're probably aware that it can impact your health. Cigarette smoking is the leading cause of preventable disease, disability, and death in the U.S., according to the Centers for Disease Control and Prevention. Smoking accounts for 480,000 deaths (or 1 in 5 deaths).

If you're still not ready to quit smoking, you'll be looking for the best life insurance available for smokers. If you're a cigarette smoker, but are otherwise healthy, there are several different life insurance choices. If you're suffering from severe smoking-related diseases You may have choices but may have to pay more for insurance or receive a lower death benefit.

The life insurance industry is determined to identify smokers who don't tell the truth. Life insurance companies lose $3.4 billion annually in premiums due to unseen smoking habits According to Verisk an analytics and data company.

If you require assistance or have any questions, speak with an agent to help you determine the most suitable policy that meets your needs.

While you might require a little research, you will be able to locate the right policy. To aid smokers seeking life insurance, we looked over the costs of insurance policies, limits, coverage options, and other features before making our final selections. Read on to discover the companies that made our list of smokers' top life insurance options.