When it comes to life insurance in CA, if you are a smoker you may automatically think you don’t qualify; or maybe you’ve been told that you can’t get coverage until you quit. However not all life insurance is created equal and you may be able to find coverage if you keep searching.

Some considerations for life insurance for smokers:

1. Should you get rejected by one insurance company, don’t give up – keep looking because you might be able to find the coverage you are after.

2. Some insurance companies charge more or less for premiums depending on the amount of smoking you do, whether light, moderate or heavy.

3. Smokers who are otherwise healthy in terms of body weight, cholesterol and blood pressure may fall into lower risk categories with some insurers than you might expect.

4. Some insurers may reduce premiums if you quit, but there may be a waiting period – for instance you may need to be smoke-free for a year first. This is something to ask the insurer or agent.

It almost goes without saying that ideally you should quit smoking for health reasons, not to mention the amount of money saved from not buying tobacco. However it’s sometimes easier said than done and in the meantime you may find that some insurers are willing to offer you life insurance in CA, residents can call us for more information about coverage for smokers and for assistance in obtaining a policy.

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