Term Life Insurance for Smokers

AIG Direct offers coverage at affordable Term Life Insurance rates.
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.

Be Honest About Your Habit

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 nicontine 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.