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Some companies specialize in smoking life insurance. They are the companies that charge the lowest premiums. These companies welcome smokers. However, online smoker life insurance quotes are going to be expensive. This is because there is an increased risk of heart disease and cancer. A survey conducted by Sun Mountain Women's Health Alliance found that, people who smoke are at a high risk of early graying of their hair and balding as well as five times more prone to develop wrinkles. Female smokers have a 50% greater risk of suffering from heart disease than their male counterparts do. They are also more at more risk of developing osteoporosis due to tobacco use. Smokers can repeal the damages of smoking by quitting it. Plus, this would negate your need for a smokers life insurance quote. Why It Smokers Life Insurance Is Some Much More Expensive? Various surveys have proved that, smokers earn about 7% less than non-smokers. This is accounted for due to lower productivity, poor health and financial constraints. There are also the extra expenses of buying mints, whitening or flossing of teeth. The 2001 report confirms that, cigars are linked with gastrointestinal, laryngeal, pharyngeal and lung cancers. According to a survey conducted by Duke University and the American Cancer Society, a female smoker increases her life expectancy by three to four years by quitting smoking habit by the age of 65. Most companies rate the use of tobacco in the previous year as a smoker's classification. Some companies rate for three to five years. Smoking life insurance premiums are often three times more than those of non-smokers. This is because smoking kills 87% more than prostate, breast and colon cancers combined due to lung cancer. The range of premium of non-smokers is $570 to $1,035 per annum, whereas that of smokers is as high as $4250 per annum. A few state governments charge their employees extra bucks in health insurance if they smoke. More and more companies are joining this trend. For example, in Georgia, that surcharge is about $40 per month. Non-smokers receive a discount of 10% for homeowners insurance. The insurers believe that, smoking takes lives and destroys homes. Due to high death rate, smokers obtain lower lifetime benefits than non-smokers. How to get smoker life insurance cheaper: A smoker gets cheap rates depending on several factors.
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