By AIG Direct
Many companies don't offer smoker's life insurance policies, but AIG Direct offers coverage at affordable term life insurance rates. The important thing to know is that while you likely won't be offered the lowest rates afforded to applicants who do not smoke, if you are shopping for term life insurance for smokers, there is affordable coverage out there.
If you are a smoker, it's important that you share this information up front. Your medical exam, which is required as part of your application for term life insurance for smokers, will detect the presence of nicotine in your system. So there's no point in hiding the fact that you smoke when applying for coverage.
It's best to be honest up front about your smoking habit when applying for a term life insurance policy. This way, you can be guided to the options most suited to your needs and increase your likelihood of receiving coverage - at a good rate.
When you are ready to take the first step toward getting term life insurance for smokers, talk with one of our licensed agents to find out your options and get a free, no-obligation quote in just minutes.