Where Can I Find Low Cost Life Insurance for Smokers and Tobacco Users in Richmond, VA?
If your are a smoker or regular tobacco user, you know how difficult it can be trying to purchase life insurance in Richmond, VA. The high life insurance premiums quoted to you simply because you smoke have probably been disappointing. Since the insurance industry is always trying to accommodate specialty niches, some life insurance companies have recently opted to offer low cost life insurance for smokers and tobacco users!
As a smoker or tobacco user, you are now eligible for term life insurance at less expensive rates. As long as you are otherwise in good health and are at a reasonable weight, you may purchase $250,000 of term life insurance coverage for about $40 per month over a 10 year period.
Finding the Right Life Insurance Company
Aside from the fact that tobacco use in any form already sets you apart from non-users, it is important to understand that many insurance companies do not even distinguish between the form and frequency of your tobacco use. For example, if you like to use chewing tobacco occasionally you are considered to be in the same category as someone who smokes multiple packs of cigarettes per day.
Does this seem unfair? Likely, however, there are some life insurance companies that do distinguish between the types of tobacco use as well as the frequency of usage. The best thing to do is research the insurance companies that individualize their rates. Life insurance premiums are based on whether you use cigarettes, cigars, chewing tobacco, pipes, smokeless tobacco, nicotine gum, marijuana or nicotine patch (if you smoke marijuana, you must also disclose that you use drugs on your application form). Life insurance companies also distinguish between how often you use the aforementioned products. You will be quoted a lower rate for smoking an occasional cigar versus someone who chain smokes cigarettes.
As a smoker or tobacco user looking to obtain a low cost life insurance policy, the best thing to do would be to research the companies and their policies for tobacco users. Shopping via the internet is the fastest way to get an idea which companies cater to smokers/tobacco users. Many companies (including mine) will give you an instant online life insurance quote. You simply need to fill out a quick application form and you will receive your projected premiums in minutes! These online quotes are anonymous with no obligation to you.
By doing some simple research, smokers and tobacco users in Richmond, VA can now afford to protect their families at lower life insurance rates. Your lifestyle does not have to be a strike against you any longer and you will be able to give your family the peace of mind knowing that they are financially protected should you pass away unexpectedly.
The insurance industry is constantly evolving. Insurance providers are forever trying to refine the balance between cost and coverage. As competition gets stronger, companies are working harder than ever to bring you the best protection at a price you can afford.
Whether you are searching for Medicare supplemental insurance, annuities, life insurance or niche plans such as guaranteed health insurance, you need to be one step ahead of the game if you want to get the most out of your policy. This is where we come in...
David Lewis Jr, Trusted Life Insurance Agent Since 2002.Our agents are expert in the field of insurance in Virginia. Did you know that some insurance laws and plan prices differ from state to state? We will help you get the best plan for your money, wherever you happen to live. No matter what type of insurance you are looking to buy, it is important to us that you get it right first time. This could save you a lot of stress - and possibly lots of money. | Life Insurance for Seniors.As a client, your needs are a priority. We offer several services for retired persons aged 65 and over as well as guaranteed plans for those who have been diagnosed with a pre-existing condition. Medicare supplemental insurance is one of our most popular product categories, and rightly so. If you spend large sums on out of pocket medical expenses you can really benefit from one of these policies as well as enjoying substantial savings. |
Get Life Insurance, then Live Your Life!
Your family will always come first; you wouldn't want them to have to bear the financial burden of your last days. No matter what your age, it`s always good to have a plan as to how you intend to cover these costs. Final expense insurance will pay for your funeral service and other associated costs.
Your standard of living is important to you. Should you be taken ill or suffer mobility problems further down the road, we want you to lead the most comfortable life you possibly can. Long term care insurance makes this possible. It also lifts the burden of care from those around you, improving the standard of living for everyone you hold dear.
We know about the benefits and pitfalls of group versus single insurance policies; employer sponsored health plans; term versus whole life and other insurance `gray areas` that customers often wish to better understand. Please don`t hesitate to call us with your questions, no matter whether you are a valued customer, a potential one, or if you simply need advice.
