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.
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 quality insurance choices at competitive rates, for different lifestyles and health situations.