Through the years, it has been the function of life cover to take good care of our spouse and children should anything unwanted occurs to us. For smokers, they pay a higher price considering they are more compromised health-wise. Your level of smoking doesn't actually matter because as long as you smoke a cigarette, you have to pay more. Provided that you do the puffing deed, you're in for an expensive insurance journey.

If you've smoked even one cigarette, stogie or made use of a smoking pipe within the last 12 months, you're deemed a smoker. People who chew cigarettes or use nicotine patches still get into the category. Pretty sure that a small puff within a year will escalate your insurance rates.

If you lose lots of money by just buying pipes, how much more once you suffer the effects they can offer? Along with those health risks, you still have higher cost of life insurance you have to stress about. But there can be ways to cut back on the life cover budget. The following will advise you how.

Break the habit - Although this sounds like a harsh advice, it's inevitable for those who want to pay cheap life assurance. If you're able to gather the determination to give up smoking fora year, you will be able to come under the non-smoker category and so, you'll pay less. In comparing and contrasting smoker and non-smoker life cover quotes, a big difference in rates can definitely be observed. All it takes is a sacrifice that's worth all the effort.

Life assurance policy quotes - Wait for a Year or two before applying - If you have not smoked in at least two years, the provider is able to consider you less of a liability. You may be allowed to avail of a regular life cover policy. The lung tissue is said to heal five years after complete smoking cessation. Therefore, it is encouraged that you apply for a policy after the said period. Most insurance providers believe in the "once a smoker always a smoker" saying, and you have the chance to change that.

Be Practical - You have to be devoted enough to find cheap life insurance policies if you have no plans of breaking the bad addiction. Visit the closest trusted agencies and ask for details. Search the net for reputable assurance agencies within your town. Some companies allow individuals to compute their personalized quotes online. You may search through the company sites to find rates that are valued to your liking.

Smoking has never been beneficial to anyone. Find it within yourself to counter the craving for the health of your loved ones and their future. But if all attempts are with no success, it's then to better get a life assurance coverage that will take care of you in less expensive ways possible.