My fiancé is a great guy and I love him…like it’s always the beginning, though he has always been a BIG smoker. I am working on making him quit, at the same time, helping to plan our financial future. Is there such a thing as smoker’s life insurance in Birmingham, Alabama AL?

Maria

Birmingham, AL

Seems to me like you are starting off on the right foot and it would be better if you could help your fiancé stop smoking. The good news is, you never run out of options for life insurance for smokers will always be available in Birmingham, Alabama AL. It can be more expensive than insurance for non-smokers in Alabama, although it is safe to say that use of tobacco products will classify your fiancé as a smoker in terms of life insurance.

If your fiance and you are successful with his smoking cessation, life insurance rates will change. You might want to develop a life insurance strategy in Birmingham, Alabama AL based on his good intentions. In the insurance industry, smokers are rewarded for stopping, such that not only will your fiance free his lungs, he’ll be able to have more insurance at less cost.

As you consider life insurance in Alabama, your fiance will be asked about his use of tobacco. To strategize a good plan for your financial future, you should accurately portray his tobacco usage. This will help your agent in Birmingham, Alabama AL develop a life insurance plan that covers your fiance before and after he stops smoking.

I do not smoke cigarettes but I do smke cigars occasionally. Am I going to pay the smoker’s term life insurance rate for my life insurance in Alabama?

Lisa

Thank you for asking Lisa.

The ways in which life insurance companies categorize treatment of cigar smokers literally is different from one extreme to the other. Some insurance companies have taken the position that all forms of tobacco are equally harmful, and therefore charge cigar smokers and cigarette smokers the same rates. Some insurance companies take a middle-of-the-road position, charging cigar smokers more than nonsmokers but less than the heaviest-smoking class. Other insurance companies even consider cigar smokers to be nonsmokers, offering the lower rates typically reserved for those who don’t smoke cigarettes at all.

So, if you’re a cigar smoker, you may speak with your Alabama insurance agent or doing some research to find the best term life insurance rates available in Alabama. You should probably act as soon as possible, too, as insurance companies could change their rules if clinical research determines that cigar smoking is more dangerous than previously believed.

Typically Alabama insurance providers will reevaluate your rates if you quit smoking for at least a year.

Goodluck!

MariCAR