Smoker life insurance! What is smoker life insurance policy really, is there a special policy for those who choose to smoke? The phrase may sound like there is a special plan for smokers but let me assure you this is not so.
What life insurance companies do is to charge a person extra if s/he smokes. Let us look at the varying categories assigned to applicants
Each of the above categories are divided into 2. The lowest and most favourable rates are charged to the applicants who do not smoke. The smoker rate is a little higher than the non-smoker rate.
Like any life insurance policy you have the right to add riders to your policy, the most common are the waiver of premium rider and the accidental death benefit rider.
These riders apply, if you select them, whether your policy is characterized as a smoker life insurance policy or a non-smoker policy.
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I recently did some research on the development of the 30 year term insurance policy over the years. What I learned was quite interesting.
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