Smoker Term Life Insurance
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Donald Lusan
May 21, 2013, 10:48:15 PM5/21/13
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Please consider this free-reprint article written by:
Donald Lusan
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Article Title: Smoker Term Life Insurance
Author: Donald Lusan
Word Count: 538
Article URL: http://www.isnare.com/?aid=1841698&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=1841698
Easy Publish Tool: http://www.isnare.com/html.php?aid=1841698
*********************** ARTICLE START ***********************
Smoker term life insurance is available online for those who qualify, you need to be in fairly good health. Because of the great campaign against cigarette smoking insurance carriers have created different rates for people who smoke. Premiums are lower for most people as a result, those who smoke pay a little more.
It is believed that smoking can cause heart disease and lung cancer. If you smoke you are not expected to live as long as a non smoker. You can still get a policy if you are fairly healthy but the premiums will be higher.
Term insurance is quite popular these days so let us look at the types of term policies available online without your having to do a medical exam. The plans offered by most online carriers are 10 year, 15 year, 20 year and 30 year term. Most companies avoid the 5 year term plans and the 25 year term policies for some reason. It could be that these don't sell very well.
Let us now take a look at each plan and see how they would fit your particular needs. Smoker term life insurance is available for all these plans.
10 Year Term Insurance
This plan has a level death benefit and level premiums for the duration, they never increase or decrease. It is used for short term needs, death benefit usually payable in a limp sum or it can be paid in income form.
15 Year Term Insurance
This is also a popular policy with level premiums and death benefits. Again for a fairly short period of time. All ages buy this policy, some people convert to permanent insurance later on.
20 Year Term Insurance
For some reason many people select 20 year term insurance, 20 years seem to be a good long period I think. It also has level death benefit and level premiums with a conversion period in some cases. You just got married or had an addition to the family, you want to fund a buy-sell agreement with life insurance, these are reasons to buy the 20 year or 30 year term.
30 Year Term Insurance
More people are selecting this policy as time goes by. Life insurance is quite important to most intelligent people, why not a level term policy.
Riders
If you opt to add riders you may. For a minimal additional premium you can add the waiver of premium rider to your smoker term life policy. This rider provides that if you should become disabled your premiums will be waived, you must be disabled for a minimum of 6 months.
You may also add an accidental death benefit rider, otherwise known as a double indemnity rider. This rider pays an additional amount equal to the face amount if you die in an accident. The premium for this rider is also minimal.
You need life insurance whether you smoke or not, one of these plans may fit your need. You can get them online and get them instantly. Keep in mind that smoker term life insurance costs a little more though.
About The Author: For more than 40 years Donald has been known for his extensive knowledge of the life insurance business. He has represented some of the largest and most admired life insurance companies in the United States as well as Canada. His advice is invaluable. Donald's website is: http://www.lifeinsurancehub.net Also see: http://www.life-insurance-answers.net
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=1841698
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
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Message delivered directly to members of the group:
publish-the...@googlegroups.com
*****************************************************************
Please consider this free-reprint article written by:
Donald Lusan
*****************************
IMPORTANT - Publication/Reprint Terms
- You have permission to publish this article electronically in free-only publications such as a website or an ezine as long as the bylines are included.
- You are not allowed to use this article for commercial purposes. The article should only be reprinted in a publicly accessible website and not in a members-only commercial site.
- You are not allowed to post/reprint this article in any sites/publications that contains or supports hate, violence, porn and warez or any indecent and illegal sites/publications.
- You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only.
- If you distribute this article in an ezine or newsletter, we ask that you send a copy of the newsletter or ezine that contains the article to http://www.isnare.com/eta.php?aid=1841698
- If you post this article in a website/forum/blog, ALL links MUST be set to hyperlinks and we ask that you send a copy of the URL where the article is posted to http://www.isnare.com/eta.php?aid=1841698
- We request that you ask permission from the author if you want to publish this article in print.
The role of iSnare.com is only to distribute this article as part of its Article Distribution feature ( http://www.isnare.com/distribution.php ). iSnare.com does NOT own this article, please respect the author's copyright and this publication/reprint terms. If you do not agree to any of these terms, please do not reprint or publish this article.
*****************************
Article Title: Smoker Term Life Insurance
Author: Donald Lusan
Word Count: 538
Article URL: http://www.isnare.com/?aid=1841698&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=1841698
Easy Publish Tool: http://www.isnare.com/html.php?aid=1841698
*********************** ARTICLE START ***********************
Smoker term life insurance is available online for those who qualify, you need to be in fairly good health. Because of the great campaign against cigarette smoking insurance carriers have created different rates for people who smoke. Premiums are lower for most people as a result, those who smoke pay a little more.
It is believed that smoking can cause heart disease and lung cancer. If you smoke you are not expected to live as long as a non smoker. You can still get a policy if you are fairly healthy but the premiums will be higher.
Term insurance is quite popular these days so let us look at the types of term policies available online without your having to do a medical exam. The plans offered by most online carriers are 10 year, 15 year, 20 year and 30 year term. Most companies avoid the 5 year term plans and the 25 year term policies for some reason. It could be that these don't sell very well.
Let us now take a look at each plan and see how they would fit your particular needs. Smoker term life insurance is available for all these plans.
10 Year Term Insurance
This plan has a level death benefit and level premiums for the duration, they never increase or decrease. It is used for short term needs, death benefit usually payable in a limp sum or it can be paid in income form.
15 Year Term Insurance
This is also a popular policy with level premiums and death benefits. Again for a fairly short period of time. All ages buy this policy, some people convert to permanent insurance later on.
20 Year Term Insurance
For some reason many people select 20 year term insurance, 20 years seem to be a good long period I think. It also has level death benefit and level premiums with a conversion period in some cases. You just got married or had an addition to the family, you want to fund a buy-sell agreement with life insurance, these are reasons to buy the 20 year or 30 year term.
30 Year Term Insurance
More people are selecting this policy as time goes by. Life insurance is quite important to most intelligent people, why not a level term policy.
Riders
If you opt to add riders you may. For a minimal additional premium you can add the waiver of premium rider to your smoker term life policy. This rider provides that if you should become disabled your premiums will be waived, you must be disabled for a minimum of 6 months.
You may also add an accidental death benefit rider, otherwise known as a double indemnity rider. This rider pays an additional amount equal to the face amount if you die in an accident. The premium for this rider is also minimal.
You need life insurance whether you smoke or not, one of these plans may fit your need. You can get them online and get them instantly. Keep in mind that smoker term life insurance costs a little more though.
About The Author: For more than 40 years Donald has been known for his extensive knowledge of the life insurance business. He has represented some of the largest and most admired life insurance companies in the United States as well as Canada. His advice is invaluable. Donald's website is: http://www.lifeinsurancehub.net Also see: http://www.life-insurance-answers.net
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=1841698
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
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