Term Life Insurance for Smokers

Term life insurance for smokers will typically be at least 3 times as much premium as the equivalent amount for non-smokers. This is to reflect for the fact that smokers typically die at a much younger age than non-smokers. Term life insurance for smokers is available from many companies, and it is important for you to shop the coverage extensively as different companies differ in how the price life insurance for smoker. For example, some companies differentiate between "light smokers" (who only smoke occasionally) whereas other companies treat anyone who has used any form of tobacco in the last two years as an insurance life smoker.