I quit smoking three months ago; why am I still considered a smoker?
Term Life Insurance Rates and Health Classes
Life insurance quotes and term life insurance rates will almost always be higher for smokers. The reason for this is the fact that smokers generally don't live as long as non-smokers. Qufor non-smoker life insurance rates will almost always allow you to save money on your life insurance.
Most life insurance companies require more than a few months of non-smoking to consider you for their non-smoker life insurance rates. Because many smokers quit for short periods of time and then go back to smoking, most life insurance companies require at least a year, and sometimes even 3-5 years, for non-smoking before they will consider you for their non-smoker life insurance rates.
However, we do represent at least one company that will consider some occasional smokers or smokers who recently quit for their non-smoker life insurance rate classification. So be sure to tell us about your smoking habits if you fall in to one of these categories so we can get you the best term life insurance rates from the appropriate life insurance company.
