Do You Have Questions About Affordable Life Insurance for Smokers?
Smoking has risks. We all know it. As a smoker, you may have questions about affordable life insurance for smokers, coverage and rates.
At Matrix Direct we have answers.
1. I smoke. Can I find affordable life insurance?
Everyone wants to protect their family from financial hardship. Matrix Direct offers excellent coverage at competitive rates.
2. I only chew tobacco. Does this affect my life insurance rates?
Not all smokers are the same. Our licensed term life insurance professionals look at your smoking habits before they give
you a quote. They look at your smoking history, tobacco choices and nicotine use. Considering your smoking choices allows
us to find you the most competitive rate we can.
3. I plan to quit smoking soon. Should I wait to get life insurance until after I quit?
Whether you plan to continue smoking or to quit in the future, it is probably a good idea to request a quote as soon as you can.
Without life insurance, your family is unprotected. Because premium rates increase as you age, the longer you wait to obtain term life insurance
coverage, the more expensive it may become.
4. I'm currently using a transdermal patch to quit smoking. Am I considered a non-smoker or a smoker?
The best thing to do is to be honest with the agent if you wear a patch. A medical exam will detect any nicotine in your
system, including what is included in a transdermal patch. The agent will then be able to advise you about the appropriate life insurance coverage.
5. I don't have a lot of time to look into life insurance. How long does it take to get a quote?
You can request a quote for smoker term life insurance online or contact one of Matrix Direct’s licensed term life insurance
professionals toll-free at 800-914-8376. It takes as little as 5 minutes!
Get a free insurance quote through the following insurance services, available
through marketing associates of Matrix Direct:
The cumulative premiums paid on the policy
during the level term period (15, 20 or 30 years), not including any substandard
and rider charges, will be paid to you at the end of the level term period if
the policy is then in force. The premium returned does not take into account
any time value of money. Beginning the sixth (6th) policy year, a portion of
the cumulative premiums will be returned if you choose to surrender the policy."
