Smoker Term Life Insurance Policy

Are you looking for a smoker term life insurance policy? You might already know that most Canadian Life Insurance companies consider you a smoker if you smoke anything or consume any type of nicotine – even a patch or gum!

It is possible to get non-smoker life insurance rates if you have an occasional cigar, use a pipe or chew tobacco on occasion. Or the rates could be based on a special class between smoker and non-smoker rates.

If you have quit smoking recently the life insurer might still consider you a smoker for years after.

There is life insurance for smokers that will allow you to reduce your premiums to non smoker rates if you quit smoking after buying the policy.

A good life insurance broker will know how the insurance companies treat smoking in their underwriting. If you are a smoker looking for life insurance you should use a life insurance broker to find the best policy for you.

Note: Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind. This insurance information is general in nature and the policy wordings always take precedence. Make sure you review the "please read" page.

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