Cheap Smoker Life Insurance Arizona AZ

Reader’s Question:

I currently have a life insurance policy for a smoker in Arizona. I know that I can have a cheaper life insurance premium if I’d get the non-smoker insurance. Will I still qualify for a non-smoker if I quit smoking?

Stacey

Chandler, AZ

Good that you asked, Stacey.

Certainly, you will be able to get the cheaper life insurance if you quit smoking in Arizona. Most life insurance companies will give you 12 to 24 months to quit before you will be considered for non-smoker insurance rates. Since non-smoker rates are cheaper by 30-50%, you will be able to save much. If you have satisfactorily provided medical evidence that you are nicotine free, most companies may consider a reduction rate after a specified time period. You can verify from your insurance company for their specific guidelines and requirements which normally subject to change.

Be aware though that some companies in Arizona also have special rates for occasional cigarette smokers. If you happen to be in good health but us tobacco, you may also qualify for preferred smoker rates. These are usually cheaper life insurance rates than the special tobacco policies.
But I guess the best suggestion you can hear from me is to quit smoking permanently. You not only get cheaper life insurance rates, but get to reduce the risks of ailments caused by smoking.

Try to compare rates over the internet by finding the zip code space on this page and entering you zip code for free quotes in your area.
I hope you’ll enjoy shopping online!