Smokers Life Insurance
With the inherent risk of smoking, it's often hard for smokers to get great life insurance policy. But there are options even for the heaviest smokers. If you smoke cigarettes, cigars, or a pipe or chew tobacco, you could still get rates on life insurance that are within your budget. The rates are based on the types of tobacco used, how long it has been since you quit smoking. If you are a social cigarette smoker, pipe smoker, cigar smoker or if you chew tobacco, you maybe be possible to get non-smoker rates with specific carriers.
Each Carrier views smokers differently, so it is important to shop around to find a trusted company who will offer competitive rates. Once you receive a quote you are happy with you will then begin the application process. Before a carrier will make you an offer your application goes through underwriting. During the underwriting process, the insurance company will obtain a paramedical exam on you performed by a RN they pay for. The nurse comes to your home and takes blood and urine specimens along with a medical history. The nicotine levels that show up in your urine are what the insurance companies use when rating your policy.
Especially if you are not a heavy or regulated user of nicotine, it isd suggested you do not smoke right before or during your exam.