Term Life Insurance FAQ
LIFESTYLE
Q. I’m currently a smoker, but plan to quit. I’ve heard smoker
life insurance rates can be expensive. Shall I wait to apply?
A. No matter what your health or lifestyle situation might
be, it is never advisable to wait in getting life insurance
coverage. Even though smoker life insurance rates may be higher,
it is still wise to secure coverage. Life is unpredictable
— insurance protects your loved ones against your unforeseen,
premature death. It’s a real possibility that you could
leave those you love struggling with years of financial hardship
because you hoped to save money by waiting to qualify for
a nonsmoker premium. Another thing to consider is that rates
go up as people age, so waiting to get a lower rate can be
unwise, in addition to risky.
If
you are a tobacco user, Matrix Direct can help you find good
coverage at competitive smoker term life insurance rates. »
Keep in mind that it’s important to be upfront with the agent if you
smoke. The medical exam will detect the presence of nicotine in your system,
including what is contained in the transdermal patches people use to quit.
At Matrix Direct, we focus on providing a wide variety of excellent insurance
choices at competitive rates, for different lifestyles and health situations.
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