Non-Smoker Life Insurance Coverage For Lauderdale Florida FL

Reader’s Question:

Would I benefit more from a Life insurance policy if I am a non-smoker? I would want to get one since I just had a daughter.

Laquisha

Fort Lauderdale, FL

Yes, you will definitely save a lot of money by being a non-smoker towards your life insurance costs there in Fort Lauderdale, Florida. On average, smokers pay three times more for life insurance as would a non-smoker with the same amount of death benefits or “Face Value” amount on the same life insurance policy. If you go through various life insurance portals on the web and run a life insurance quote check, you will notice the significant difference between those who are tagged as “smokers” and those who aren’t with most, if not all, life insurance providers. For example, one provider may quote you $27.00 monthly for a “Face Value” worth $500,000 while the same carrier will quote someone who smokes roughly $68.00 with the same Face Value.

Life Insurance Providers reward people who maintain a healthy lifestyle. Smokers, apparently get the shorter end of the stick. By staying away from cigarettes and too much alcohol as well as other unhealthy, even, hazardous substances, they lessen the chances of dying pre-maturely or getting long-suffering illnesses. The lower your risk of untimely death, the lower the risk of a life insurance provider having to pay lots of money in death benefit and the more their business grows, so discounts are passed onto you in the form of lower rates. As mentioned, shop around Online for the lowest rates you can get on a Non-smokers life insurance policy.

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