Life Insurance and Smoking?

I want to get life insurance on my husband and myself.When it asks have you ever smoked, should I say no if we don't currently smoke? How will they know? We smoke electronic cigarettes (smokeless) so I don't know what to tell them. I don't want to pay a lot more since we aren't smoking cigarettes. Also, it asks have you had a DUI citation and we both have but it was 10 years ago. Do I have to

Cheapest Life Insurance for a Smoker?

What's the cheapest life insurance policy for a smoker?There are two basic types of life insurance Term and Whole.Term life insurance provides temporary life insurance for 1-30 years. Term life builds no cash value inside the policy, it is not an investment, but pure life insurance protection. That's why it usually costs a lot less than whole life insurance.Whole life insurance provides lifetime

Wouldn't it be cheaper if you are a non smoker on life insurance?

Does smoking affect your cost of life insurance?yes, if you smoke your premiums for your life insurance may be higher than if you were a non-smoker.Why? Because, smoking can lead to health problems, and shorten your life expectancy.Smoking can lead to health issues, such as, emphysema and lung cancer. Life insurance companies base your acceptance and the premiums you pay on your life expectancy -

Smoker Affordable Term Life Insurance

Can smokers get affordable term life insurance and how can I compare rates and plans?Usually, many life insurance companies will classify smokers at a much higher rate for life insurance than non-smokers.Why? Because, smoking can cause lung cancer and lead to emphysema, or other chronic health problems that may shorten your life expectancy.Since life insurance rates are based on your life

Learn about Smoker Life Insurance Plans

Where can i compare smoker life insurance plans online?There are many life insurance websites offering free quotes for smokers life insurance.Among some leading quote providers are AccuQuote, Insweb, Eterm, Efinancial, and Termfinder.These quote providers have access to a network of life insurance companies which can provide you with free, instant quote comparisons of the most affordable