For A Term Life Insurance Quote Does Smoking Affect My Rate

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You are looking to purchase term insurance and as you prepare to start the quote process you wonder if smoking will affect the amount of premium you will have to pay. The short answer is yes but how much it will affect your rate can vary.

Some companies have different rules than others on being a smoker. Insurance quote software There are insurance providers out there who don't consider you a smoker if you occasionally smoke cigars or have an occasional cigarette. What you should do is go through the process of getting term life quotes. The easiest and fastest way is to go online and search for term life insurance quotes or term life quotes.

The search engine will provide you with a choice of numerous web sites that make use of online insurance quoting software. Such software all works pretty much the same. You will enter in answers to a few questions such as age, sex, the state you live in, the duration of the policy term and the amount of coverage you want.

When you hit the submit button the software with check the insurance rates of all companies in its database and within seconds give you the comparison of all of the quotes. One question that is part of the quote form is whether you are a smoker or not.

If you currently smoke or have smoked, regularly or occasionally, in the last three years it is advisable to call the phone number given on the web site to speak to a customer service representative to go over the details of your smoking. The customer service person will work with you to find the lowest possible rate for you.

So go online, get lots of term life insurance quotes so you can be sure to find the best term life rate. The life insurance quote process is simple no matter which web site you use.

For a term life quote right now, visit LifeInsureMe. com. The company has over 100 insurance providers in its database that it uses to find the lowest possible rate for you. The life insurance quotes process is easy and a quote takes just seconds.