Smoker To Lower Louisiana Life Insurance Premiums
Reader Question: I live in Louisiana and I am looking for Life insurance. I am a heavy smoker but I want to quit. What if I quit smoking during the time I am covered, will it lower my rates?
Katrina
Katrina,
Wanting to quit and quitting are two very different things. It is admirable that you want to quit. There are many ways to do it these days such as hypnosis, nicotine patch, laser surgery, meditation, etc.
You need to be persistent and it can be done, people do it all the time. That said, as long you were a smoker when you got the policy you will be charged the smoker rates unless you have quit and don’t smoke for a specified period of time. Every company is different. Some companies require that you remain smoke free for one year and other companies may require five. This is something you need to discuss before you get your policy.
Because this requirement can vary so much from company to company, you will need to talk to several companies. I would recommend shopping around and checking with your smoker friendly policies. You will pay more as a smoker especially a heavy smoker like you, so save yourself some money and health problems and quit today.
Cheap Life Insurance Rates for Pipe Smoker in Louisiana
Reader Question:I smoke a pipe so I don’t inhale. Will the life insurance company in Louisana consider me a smoker?
Walter
Shreveport, LA
Walter,
If you are other wise a healthy person there is good news for you. There are some companies that would consider you a non-smoker because you smoke a pipe. What you need to do is find those companies.
There are more companies that would classify a pipe smoker as a smoker than there are companies that would classify you a non-smoker so be discerning and keep this in mind. The reason is that smoking a pipe puts you at a higher risk for heart disease and chronic lung disease. You are also at risk for cancer of the lip, tongue, and throat which have been proven very responsive to treatment.
You should get quotes from many companies so that you can be sure you are getting the best possible rates.
Thanks for the great question Walter. I have included a link that will help you in finding those companies. Enjoy your lower rates!