This infographic highlights the health risk and economic expense of smoking as it applies to life insurance, and provides a comparison of smoker vs non smoker rates. There are also money saving tips for smokers who do not smoke cigarettes.

1. THE HIGH LIFE INSURANCE COSTS
OF BEING A SMOKER
SMOKERS DIE 10 YEARS EARLIER
STROKE
CANCER
HEART
DISEASE
LUNG
DISEASE
Smoking a $10
pack of cigarettes
every day adds up
to $3,650 a year
for every person who dies from a smoking-related disease
20 more people
suffer with at least one serious illness from smoking
MONTHLY PREMIUM FOR A 20-YEAR TERM LIFE INSURANCE POLICY
OF
$500,000
FOR
45-YEAR-OLD
NON-SMOKER
MAN
SMOKER
$52
$289
Over a 20 year term
a smoker will pay
Whole life
insurance
rates are
$56,880
MORE
than a non-smoker
For $56,880 you can
take a luxury cruise
around the world
20-30%
LOWER FOR A
NON-SMOKER
TERM LIFE INSU
RA
NC
E
HIGHER FOR SMOKERS
smokers in
excellent health,
may get a slightly
better rate at
"preferred tobacco"
instead of
standard tobacco
S
100-300%
RA
TE
"DON'T CHOOSE THE WRONG COMPANY"
if you smoke anything other than
cigarettes some companies will offer
you non-tobacco rates
HOW TO GET LOWER RATES
Some companies will consider clients for
a standard non-smoker rate class if they use
alternative forms of tobacco, which include
non-cigarettes such as chewing tobacco, pipes,
cigars, e-cigarettes, and even marijuana
Electronic cigarette sales increased from
50,000 in 2008 to 3.5 million in 2012 in the
U.S. Switching to E-cigarettes, also called
"vaping" can get you non smoker rates
with some companies
For the occasional cigar smoker or other
non-cigarette user, a blood or urine test
can be done to check for nicotine.
A doctor’s statement or health records may
be needed to verify that a smoker has quit
To quit smoking and get a non-smoker
rate, a smoker will have to quit for
at least a year
IN
2010
69%
of smokers want
to quit completely
produced by
52%
of smokers
attempted to quit
Life Choices Made Easy.SM
call us for a quote today 800-574-0245