More About Smokers Life Insurance: Not all life insurance companies use the same underwriting criteria to determine whether or not you would fall into one of their smoker classifications. Most companies rate any usage of tobacco in the past year as a smoker classification. Some rate similarly for any usage in the past two or three years. Additionally, some consider any usage in the past five or ten years in determining whether or not to rate you in their most preferred non-smoker classification. Smoker life insurance premiums are often more than three times as much as non-smoker premiums. This is because smoking causes 87 percent of lung cancers, which kill more people than breast, prostate and colon cancers combined. The good news is that smokers can reverse the damage of long time smoking by quitting. Within 24 hours of smoking your last cigarette, you already have begun cutting your heart attack risk. After 10 years, you have cut your lung cancer risk in half, and after 15 years your risk of heart disease is the same as if you had never smoked.

Cheap and affordable instant online insurance quotes for Smokers Term Life Insurance, Tobacco Users Term Life Insurance are available for the following states in USA: Alabama - AL, Alaska - AK, Arizona - AZ, Arkansas - AR, California - CA, Colorado - CO, Connecticut - CT, Delaware - DE, District of Columbia - DC, Florida - FL, Georgia - GA, Hawaii - HI, Idaho - ID, Illinois - IL, Indiana - IN, Iowa - IA, Kansas - KS, Kentucky - KY, Louisiana - LA, Maine - ME, Maryland - MD, Massachusetts - MA (except Auto), Michigan - MI, Minnesota - MN, Mississippi - MS, Missouri - MO, Montana - MT, Nebraska - NE, Nevada - NV, New Hampshire - NH, New Jersey - NJ (except Auto), New Mexico - NM, New York - NY, North Carolina - NC, North Dakota - ND, Ohio - OH, Oklahoma - OK, Oregon - OR, Pennsylvania - PA, Rhode Island - RI, South Carolina - SC, South Dakota - SD, Tennessee - TN, Texas - TX, Utah - UT, Vermont - VT, Virginia - VA, Washington - WA, West Virginia - WV, Wisconsin - WI, Wyoming - WY.