Burial Insurance for Smokers
Yes, there is burial insurance for smokers. However, you’re going to be charged an additional premium and there’s no way around that.
Do not lie about your tobacco use either. If you do, your death benefit could be denied.
So, with that out of the way, here’s how this process goes for smokers.
Application process for burial insurance for smokers
Just about every insurance company asks the exact same question to see if you are a smoker.
They ask if you have smoked any cigarettes, or used any nicotine products, including e-cigarettes, within the last 12 months. It doesn’t matter if you smoked only a few in the last year. They want to know about it.
If you have, you’re a “smoker” in their eyes.
For some companies, even smoking cessation products will classify you as a tobacco user.
But others can be lenient towards those who use smoking cessation products, including e-cigarettes. Most of the time it is if they have been tobacco free for at least one year.
Best burial insurance rates for smokers
Smoking rates for burial insurance vary quite a bit. The best way to get the best rates is to go through a company like Senior Life Services who have access to lots of life insurance companies.
How much is burial insurance for smokers?
Again, rates for smokers vary by a great margin. However, a reasonably healthy 50-year-old male who smokes can expect to pay anywhere from $35 to $50 per month for a $10,000 burial insurance policy.
The biggest variance is going to be your health. So, take the above price with a grain of salt.
To get the best rates possible, you’ll need to compare the prices of lots of final expense companies. Senior Life Services can do that for you. And our help is at no charge to you! You are only responsible for the premiums of your policy and our help does NOT increase your premiums at all.
What if I’m trying to quit?
If you’re trying to quit smoking, sometimes the insurance companies can give you a break.
Usually, once you make it 12 months without smoking, you can actually drop down to the non tobacco rates!
Until then, we can do our best to find you a company who offers the most competitive rates for smokers.
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