Smoker Life Insurance Hilo Hawaii HI

Reader’s Question:

Aloha! My husband is great and healthy even if he does smokes cigars. He wants to get a life insurance policy in Hilo Hawaii for our two daughters and me. As a cigar smoker, is he eligible?

Alaye

Hilo, HI

Hi there Alaye!

How’s the weather? Life insurance companies view cigar smoking and pipe smoking as use of tobacco, like cigarette smoking. Life insurance companies in Hilo Hawaii view tobacco users as bigger risks than non-tobacco users. But, life insurance is available. The premium rates are generally 30 – 50 per cent higher for tobacco users than for the same coverage for non-tobacco users.

However, not all life insurance carriers in Hawaii take the same approach. Certain companies offer lower premium rates than others. Consult a life insurance expert and explain your husband’s tobacco usage. The agent will be able to pursue competitive options.

The best alternative is for your husband to cease or seriously reduce his tobacco intake. Life insurance companies in Hilo Hawaii HI have incentive programs for compliant candidates. After a defined period of success, most life insurance companies will review your husband’s medical history and consider reductions to the existing life insurance premiums. These procedures vary from carrier to carrier, but your life insurance expert will be able to outline your next, best step.

Tags: life insurance, smoker life insurance