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Can a habitual tobacco user obtain life coverage? Yes, there are heavy tobacco users all over the place who get life insurance. Habitual tobacco users are of course, charged higher premium rates by insurance providers. A tobacco consumer will depart this life much earlier than a non-tobacco consumer, from an insurance firm's perspective. However, it is essential to understand that there is such thing as a "heavy" tobacco user classification in insurance premium classifications. If a person uses any tobacco at all they are considered a tobacco user. Virtually every insurance corporation out there makes no distinction between the casual tobacco user and a three pack a day consumer. If you don't smoke but chew tobacco, they call you a "tobacco user". So, on the one hand, a "chronic smoker" is no different from a "social tobacco user". In fact, you could be given a smoker classification and still be given the "select" rates you desire to obtain low premium rates. There is such a premium category as Preferred Tobacco user. Obviously, these smokers will pay more than their non-smoking counterparts, however, they very well may pay less than an unhealthy non-smoker. But therein lies a little twist. If you are a chronic smoker, you are much more likely to be suffering other negative effects from your smoking. If you have no health problems, but still smoke, the insurance corporation may issue you as a "select" tobacco user. But if you are a heavy tobacco user, be ready for your bill of health to come back less than stellar. If you are such a heavy tobacco user that you suck in more than two packs a day, you probably aren't participating in much physical exercise. On your questionnaire, this will need to be disclosed. If you seem to be someone who gets hardly any physical exercise, that could negatively impact on you as a raise in your contributions. As a chronic smoker, you are more likely to have emphysema, heart problems, high blood pressure, and other health complications. If you are taking drugs for any of these conditions, you run the risk of having your payments raised. So, once again, while there is no test or category for "chronic tobacco user" in life insurance, your habit is likely to be cropping up in other ways in your life; and these other ways are likely to raise your payments. If you are younger heavy tobacco user, these other health issues are less likely to have yet taken hold on you, so you may still obtain at least a Standard Smoker rating, or even Preferred Tobacco user if you are blessed with some very good genes.
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Preston Glenn is an expert on saving smokers serious money on their life insurance coverage. Download your free insider special report at lifeinsurance4smokers.blogspot.com/
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