Reader question:

How much is smoker life insurance in Trenton NJ? If I quit smoking, when can I get a regular policy?

Jake

Glad you asked, Jake.

Smoker life insurance in Trenton NJ is usually extremely expensive. It costs several percentage points, sometimes even twice as much, as the life insurance for a otherwise healthy non smoker, and aside from that, you will have more trouble finding a company which will insure you if you smoke heavily. Still, there are many life insurance companies that do.

Quitting smoking in order to get out of paying for smoker life insurance in Trenton NJ is a great, healthy idea, but not quite as immediately rewarding as you might think. In fact, it takes several years of being a non smoker before life insurance companies are willing to welcome you onto the healthy policy holder bandwagon. The reasons for this are many: for one, nicotine is a very addictive substance, and therefore it’s easier to say that you are no longer smoking just a month after you quit, but you can still fall back into the habit pretty quickly. Also, smoking has many long term health effects, and while these do eventually disappear if you stop smoking, it takes several years for them to do is.

So, if you decide to leave behind the cigarettes, then you’re probably looking at about 36 months of non smoking before you can be rated for a standard policy, and 2 more years before you can get preferred policy.

take care,

Fashun