Smoker Life Insurance Gainsville Florida FL
Reader’s Question:
My husband is a smoker. Our family needs a life insurance policy covering him. I know this might be tough but I need to find a way for him. What can we do with his life insurance in Gainsville Florida FL?
Thelma
Gainsville, FL
Hello Thelma. Life insurance companies in Gainsville Florida FL do not offer rewards for smokers. However, most life insurance companies do offer coverage to smokers. That is important. Your husband should try to stop smoking. Generally, the amount of the life insurance premiums will be higher for a smoker compared to the premiums of a non-smoker.
Life insurance companies in Gainsville Florid want healthy clients. To inspire your husband to quit smoking, there are incentive based programs. Your life insurance agent will be able to provide you information about programs that will reward your husband for halting his smoking. These incentive programs usually take two to four years.
If your husband’s health is good despite his smoking habit, most life insurance companies in Florida FL will take that into account. Premiums are also affected by the extent of the habit. Occasional smokers can usually obtain lower premiums rates than excessive smokers. The best thing to do is discuss this with your husband and with his physician. Get the health records that will assist your life insurance agent in placing the best coverage. Good luck, Thelma.
Tags: life insurance, life insurance premium, smoker life insurance