Smoker Term Life Insurance Rate in Alabama

Reader’s Question:

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