term life insurance for ex and current smokers by state

If you plan to stop smoking now or recently quit smoking, a term life policy may be a good option to consider. By the time your policy matures, it could be years since your last cigarette. If you've been smoke-free for a prescribed number of years (usually at least 2-5 years), you can apply for a level term life insurance policy and likely get a much better premium for your term choice than you would if you were still a smoker.

To be taken as a non-smoker life insurance, companies typically require that you smoking-free for one year. Even if you stopped smoking for a while and don't believe that the insurance company will find anything in your system, you should not be a liar about your smoking habits or the date you have stopped.

If you need help or have questions, talk to an agent who can help you find the best policy to meet your needs.

A primary verification method is a life insurance medical exam, which typically includes taking blood and urine samples. These samples will reveal cotinine in your system, a byproduct of nicotine. Cotinine can also be detected in saliva and hair samples. But testing for cotinine isn't foolproof. Smokers may be able to slip through if they haven't smoked in a day or two.

Yes, you can still get life insurance if you smoke, chew tobacco, or vape. If you're worried there aren't life insurance products available to you, don't give up. Due to these habits, life insurance could be more expensive, but you still have options available. Should you quit, you'll have more options and potentially lower premiums over time.

If you've passed that time threshold, you can ask for the rate to be reconsidered. That means you'll take a new life insurance medical exam and re-evaluate your health. If you've also developed new medical conditions in the interim, those will factor into the new rate. So getting a re-rating isn't necessarily a slam dunk after you've quit smoking.

It is possible to be denied life insurance for a smoker if you have other medical conditions, like smoking-related ailments. It is also possible to be barred from the policy in the event that you make false statements on your application regarding smoking.

The most common verification method is a medical exam that typically involves taking urine and blood samples. These tests will detect the presence of cotinine, a byproduct of nicotine. It can also be found in hair and saliva samples. However, testing for cotinine isn't completely foolproof. Smokers could get past if they've not smoking for a one or two days.

Smoking cigarettes among adults is at a record low of just 14% in the latest report of the surgeon general. But , 16 million Americans suffer from smoking-related diseases. It's not necessary to suffer from the health effects of having to pay more expensive life insurance rates. Smoking cigarettes will generally lead to higher premiums when purchasing life insurance.