I quit smoking 3 months ago, why am I still considered a smoker?

To be considered a non-smoker for life insurance purposes, it is essential that you abstain from smoking for a significant duration.  If not so, every human being would be a "non-smoker" except while he or she was actively smoking.  That may seem like a silly distinction, but in fact, many smokers quit for short periods of time and then return to smoking.

Suffice it to say that three months is not a long enough abstention to qualify a person for non-smoker life insurance rates at most life insurance companies.  Each insurer sets its own minimum requirement for non-smoker life insurance rates, based on its own medical knowledge and financial capacity.  One year without smoking is a common benchmark.  Some insurers set the bar at three-to-five years.

Currently, at least one of the insurers with whom we contract awards a non-smoking rate class to occasional smokers or smokers who have only recently quit.  If you smoke, be sure to inform us of your smoking habits forthrightly so that our efforts to find the most competitive insurer for your particular circumstances can be efficacious and you can have the lowest life insurance rates possible.