Life assurance is a great way to assure the financial security of your family, should anything happen to you. However if you are among those smokers who are easy targets of death, prepare to pay more. Your level of smoking doesn't really matter because as long as you smoke cigarettes, you pay more. If you have that occasional smoke on a weekend, you are still just as much a financial liability as the heavy smoker who goes through a pack or two a day.

If you have smoked even one cigarette, stogie or made use of a smoking pipe during the last 12 months, you are considered a smoker. Those who chew cigarettes or use nicotine patches still fall under the category. Pretty sure that a small puff within a year will elevate your assurance premiums.

Cash invested in cigarettes is matchless to the amount you'll be spending once you become ill. You are prone to getting sick more, worse you have to pay higher life assurance quotes because of it. But there can be ways to trim down the life insurance budget. The foregoing will advise you how.

Quit Smoking - Even though this may seem like a harsh suggestion, it's inescapable for those who want to pay cheap life insurance. Quit smoking for just one year, and you're good to go in your life cover quote; no more additional charges. Should you compare the life assurance quotes of smokers and non-smokers, you'd see the difference in rates. All it takes is a sacrifice that's really worth all the effort.

Life insurance protection quotes - Refrain from Applying Right after Quitting - In case you have not smoked in no less than 2 years, the company will be able to consider you less of a liability. Due to that, you may now shell out and relish the perks of a regular life assurance plan. We are looking into a 5-year healing duration of the lung tissue seriously affected by smoking. Thus, it may be best for your bodily and financial welfare that you sign-up in a policy then. This too helps erase the familiar aphorism "once a smoker always a smoker" from the minds of insurance providers.

Broaden your Life Insurance Research - You have to be hardworking enough to get cheap life insurance policies if you have no plans of breaking the bad addiction. You may choose to compare quotes from insurance agencies within your area. Or browse the web for legit assurance providers. In fact there are some agencies who let you calculate personalized quotes on the web. You may search through the company websites to find premiums that are valued to your liking.

Smoking has never been good for anyone. Find it within yourself to resist the habit for the sake of your family and their future. Nonetheless, if you decide to keep smoking, select a life insurance plan that gives probably the most affordable pay rate possible.