Reader’s Question:

I’m a chain smoker and am slightly overweight. Am I doomed to forever pay high premiums for life insurance here in San Antonio Texas TX?

Nanette

San Antonio, TX

Well, Nanette, up to a certain degree, you are right. Certainly, your state of health impacts on the cost of the premiums that you will have to pay for life insurance in San Antonio Texas TX. Insurance companies worry about managing their risks as well. In general, life insurance companies in San Antonio Texas TX structure life insurance premiums based on the existing health condition as well as lifestyle of the applicant – that’s you, in this case. Most consider individuals who smoke, are already sick or engaged in extreme sports as high-risk clients because they are more likely to get sick or be involved in accidents, which will require the insurance company to spend money. Understandably, they may require higher premiums.

But don’t you worry much – there are ways for you to save on life insurance premiums in San Antonio Texas TX. For instance, you could join a large group insurance where the mix of high and low-risk applicants could redound to lower premiums in your case.

I think it would be a good idea to explore the alternatives now available to you in San Antonio Texas TA. You can even do this online by keying in your zip code on the form in this page or clicking on the links. Get several quotes – they’re free anyway – so you can determine which type of life insurance policy would most cost-efficiently address your needs.

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