How Does Smoking and Tobacco Use Impact Life Insurance Premiums?

Tobacco use is on the decline, thanks to increased transparency and clinical studies that have linked chronic health impairments and cancer to cigarette smoking. If you are currently a smoker, one of the best things you can do to avoid a chronic health concern is to talk today with your primary care provider, about a tobacco cessation plan to help you quit for good.

However, we know how hard it is to quit smoking in spite of all the evidence that demonstrates the significantly increased health risks that tobacco use involves. If you are a currently a smoker, or if you have recently quit, here’s what you need to know about seeking life insurance coverage. Read more