Term Life Insurance Quotes For Smokers & Tobacco Users

Term Life Insurance Quotes Online - Boise Health & Life Insurance Agency

Hi, Boise.

Chris here with Boise Health & Life Insurance Agency. 

"Today, we're gonna talk about term life insurance quotes online so you can do this in the comfort of your own home or office. No agents to bug or pester you. Let's check out some rates. And our thing here is if you need help, let us know. If not, we're not gonna hassle you at all."

"Okay, we all know that you need life insurance or you need more coverage. But you just have to get it when you are ready. So okay, so here's our home page at https://ift.tt/hTbJ32e. Just click on the life insurance quote button or go to our life insurance page on the site. And this is an online quote. Yep, you just click on it here."

"And excuse me, and we're gonna walk you through a quote. Quick quote and show you how to use the online quote tool  If you have any issues, just give us a call and we'll help you out. So you just first and last name there. Your health. I always go kind of with our standard. This is like our standard. Plus here if you're in good health, Um, you know, overall good health."

"No, no tobacco. But standard these two here just to be on the safe side, This is to appear very few people who apply for the best get it. But just so that, you know, just because you apply for a standard rate if you come in, prefer the insurance company will give you the rates so they long as you hit there you meet the criteria for that rate class. They're not going to try and put you into a standard. They don't do that."

"It's in their best interests or tried to give you the best rate, so you'll pay the premiums longer. That's how they meet their money. So we're just gonna do standard tobacco. Uh, now, listen, Uh, uh, marijuana cannabis is considered tobacco rates. Okay, If you've got a history of tobacco, just be honest."

"Excuse me in your doctor's records in your MIB. I mean, you know, So, you know, just don't train line, because if they catch it, um, you're gonna get rated for it anyway. So just be upfront and honest with your tobacco usage. You can always come back into a rate reduction on your policy after you quit any kind of tobacco."

"So, just know that and height and weight always is something up front that we can use to make sure we're quoting you correctly. And then lastly, we'll just put in like, uh, this is not my real date of birth, but it's close. Okay, Now, here is where you can get a little confused. Up here we have our term life tab, which is blue."

What Counts As Tobacco?

Tobacco is a plant that is widely used for its nicotine content. Nicotine is a highly addictive substance that stimulates the central nervous system, and it is found in all parts of the tobacco plant. Tobacco products come in many different forms, including cigarettes, cigars, pipe tobacco, chewing tobacco, and snuff.

The use of tobacco has been linked to a wide range of health problems, including lung cancer, heart disease, stroke, and respiratory problems. In many countries, tobacco use is highly regulated, and various laws have been enacted to restrict its use and sale.

But what products count as smoking when it comes to life insurance? Here are the most common types of tobacco products that life insurance companies classify as smoking:

1. Cigarettes: The most well-known tobacco product is cigarettes, and it is the most commonly used form of tobacco worldwide. Life insurance companies consider anyone who smokes cigarettes, regardless of the frequency, a smoker.
2. Cigars: Smoking cigars is often perceived as a luxury hobby rather than a habit, but it is still classified as smoking by life insurance companies. Cigar smokers may be charged higher premiums compared to cigarette smokers, depending on how frequently they smoke and the number of cigars smoked.
3. Pipes: Smoking pipes is less common than smoking cigarettes and cigars, but it is still classified as smoking by most insurance companies. As with cigars, pipe smokers may be charged higher premiums depending on the frequency and quantity smoked.
4. E-cigarettes and vaping: E-cigarettes and vaping have become increasingly popular in recent years, and many people see it as a safer alternative to traditional cigarettes. However, life insurance companies still consider e-cigarette and vaping users as smokers, as there is limited research on the long-term health effects of these products.
5. Chewing tobacco: Chewing tobacco is another form of tobacco use that is classified as smoking by life insurance companies. It is a prevalent form of tobacco use among athletes and is often used as a substitute for smoking.

It is essential to note that not all life insurance companies will have the same policies on what constitutes smoking. Some insurers may differentiate between occasional and regular smokers or have specific guidelines on the amount of tobacco use. Therefore, it is crucial to shop around and compare policies to find the most affordable and comprehensive life insurance policy that meets your needs.

Highlighted these are term life rates, and this is a permanent life insurance tab for a whole life quote.

If you need a permanent quote, get a hold of us.

It's probably best if we ask you some questions and run that for you as there are a lot more moving parts on a permanent whole life, universal life policy and we're usually doing something with it, designing it for a specific reason.

Now, if you need help with the calculator, there's a calculator here to take to help you determine how much life insurance do you need.

A good rule of thumb is 10 times your annual income.

That's just a good rule of thumb that will help your loved ones or your business partners.

Uh, you know, for 10 years, you know, replacing that income that you were bringing in. And that should be enough time.

We can, help them get on their feet and get things kind of back to where they should be.

So anyways, 10 times your annual income. You just like this up here on how much you want to see.

So we're just gonna do as an example 500,000. That's Ah, we saw a lot of people are just like I just need 1/2 1,000,000. Make sure they're taken care of, and they're okay.

These rates coming in for a 48-year-old male non-tobacco standard plus rating.

You can see here 10 15 20 25 30 and we go up to the 35-year term, which is fantastic.

Think about that.

You can have a life insurance policy guaranteed if you qualify from underwriting for 35 years at $225 a month. 

If you need it for 15 years, just make sure the kids were out of the house.

You're covering the mortgage and college, you know, but 20 years, probably what we sell most, uh, most of the time.

So let's just go with the 20-year term policy here. Click on that click on next. And this is Yeah, this is where we get your email and your phone.

I might reach out and say, Hey, how are you doing? Do you need some help? But don't worry.

And you're going to see a list of some insurance companies coming in with some of the best rates or 20-year term.

A $500,000 policy for an almost 50-year-old man. That's a pretty good rate. It will tell you a little bit more about the policy.

Uh, sometimes they go product died right here, so you can see you can look at the pdf will pull up, and you can learn more about the product.

Top Insurance Provider That Provide Policy For A Smokers

Boise, Idaho, is home to several reputable life insurance companies that cater to smokers. Smoking is a significant risk factor that can impact an individual's life expectancy and health, making it crucial for smokers to secure life insurance coverage to protect their loved ones financially. In this article, we'll discuss some of the top companies in Boise that sell life insurance for smokers.

1. Northwestern Mutual: Northwestern Mutual is one of the largest life insurance companies in the United States, and they offer a range of life insurance products, including term life insurance, whole life insurance, and universal life insurance. They have a specific underwriting process for smokers that takes into account the type of tobacco use, frequency, and other health factors to provide customized coverage options.
2. State Farm: State Farm is another prominent insurance company that offers life insurance for smokers in Boise. They offer term life insurance policies that provide coverage for a specific period and can be renewed after the term expires. State Farm's life insurance policies for smokers take into account the type of tobacco used, age, and health status to provide affordable coverage options.
3. Mutual of Omaha: Mutual of Omaha is a highly rated insurance company that offers life insurance for smokers. They offer a range of products, including term life insurance, whole life insurance, and universal life insurance. Mutual of Omaha's life insurance policies for smokers are underwritten based on the type of tobacco used, the number of years smoked, and other health factors.
4. Transamerica: Transamerica is another prominent life insurance company that caters to smokers. They offer a range of products, including term life insurance, whole life insurance, and universal life insurance. Their underwriting process for smokers considers the type of tobacco used, the frequency of use, and the individual's overall health status.
5. MetLife: MetLife is a reputable insurance company that offers life insurance for smokers in Boise. They offer term life insurance policies that provide coverage for a specific period and can be renewed after the term expires. MetLife's underwriting process for smokers takes into account the type of tobacco used, the frequency of use, and other health factors.

Banner Life Insurance has been around for a long time. They do a great job, but I wanted to see something.

So exam, they're gonna have you go through, uh, in underwriting exam. Now it's possible. And that's for $98.00. Now, down here, you see Principle and SBLI and John Hancock.

It says no exam. Now what? This means we'll click on principle. Okay. What this means is based on a phone interview, you may or may not have to go through an exam.

Depends on your answers. I can't tell you what hit the right or the wrong is with the right or wrong. Answers are too knee gate, the exam. But this is a good option.

If you don't want to go through a full, uh, you know matter, it's a medical exam with a nurse and they will draw blood and urine. They ask you a bunch of health questions as well.

So for a couple of pennies more, I would go principle. Good company.

They've been around for a long time there a rated. But that's just me.

There again. So, you know, great company.

But I'd probably go with Principal Life Insurance in this scenario and hope that based upon my underwriting questions, I don't need an exam.

So anyway, that's how easy it is to get quotes online down here.

You can change it to 500,000. You can lower that to see and then just rerun your quote. So let's say you just need 250,000. Just rerun your quote.

This will be for 20 years. Now we're looking at about $52 month and with Principal, about 52.00 monthly and I would go with this quote. 

They do a great job. Well, that is Boise's term life insurance quotes online . Right from the comfort of your home, with no agent to pester you! 

No agents to hassle you or, uh make you feel pressured into buying any kind of insurance.

I think everyone does know, you know if you need it or not, and it just comes down to being ready to purchase it.

And remember, you only buy life insurance for one reason is for a couple of reasons. You love and care about someone or something.

Your family, your business, a charity. And that's why you do it.

Thanks.

And please get a hold of us with any questions.

Have a great day! 

Visit us at www.goidahoinsurance.com 

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