Life insurance for tobacco users can raise your rates, but if you know what your looking for you can compare and contrast different insurance plans for your needs.
Some things to think about and what they will ask.
- Your age
- Your height and weight
- The general state of your health
- Your family medical history
- Your use of tobacco
They will ask these questions so they can base what type of risk they are taking by insuring you. Most will require you to have a medical exam done by your physician, which will include blood tests so that can confirm your info. The reason behind needing to know this info, is because you can really save alot of money if you do a little bit of research because many companies are picky on Life insurance for tobacco users.
For more info look at our insurance guide!