Reader’s Question:

I still smoke. Darn it! I am tying but I do smoke. Can I get a life insurance policy in San Antonio TX?

Cheryl

San Antonio, TX

Hello Cheryl,

Well, I understand your frustration. It sounds like you are trying to stop smoking but just can’t. When you do, make sure you notify your life insurance carrier in San Antonio Texas. It may well affect you premium rates. Life insurance carriers in Texas TX do offer coverage to smokers. All candidates for a life insurance policy are classified. Basically there are two classifications for smokers. One is a preferred smoker classification and another is standard smoker. If you smoke, you will be classified as one or the other by the life insurance company and you will receive a premium proposal based on that class. It will be higher than a similar proposal for a non-smoker, but life insurance is available.

Many smokers purchase a term life insurance plan while they attempt to stop smoking. After they have beaten their smoking habit, they can often convert to a permanent life insurance plan if they want to enjoy cash value buildup. After two or three years of not smoking, life insurance policy holders should ask their agent for consideration and a reduction to their premiums.

It is interesting to note that by stopping smoking, you may also be able to lower your home insurance premiums. Combining that reduction with the potential for cost reduction and easier access to life insurance is worthy if consideration.

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