Cheap Smoker Life Insurance Rate AR
Reader’s Question:
Will I still get cheaper life insurance rates in Arkansas even if I am a smoker?
Kate
Little Rock, AR
Good question, Kate.
I know you don’t want to quit too soon. But certainly, be aware that non-smoker insurance in Arkansas is normally 30-50% cheaper than smoker insurance. If you can’t quit any sooner though, you don’t have to despair because most insurance companies still have special rates to some classified smokers.
The cheaper insurance rates for smokers are called preferred smoker rates. Some top-rated life insurance companies offer cheaper rates to cigar or pipe smokers while some companies offer special rates for smokeless tobacco users. Every insurance company has varying terms and conditions. You search from the internet using either of the following search phrases: cigar/pipe smoker life insurance rates, or smokeless tobacco smoker life insurance rates.
Most companies in Arkansas will offer non-smoker rates to cigarette smokers for a period ranging from 2-4 years. You can continue at the cheaper non-smoker rates by quitting during that period and submitting certain requirements requested by the company.
Try searching for preferred smoker rates in your area from free quotes. Simply type in your zip code on the space located in this page.
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