What is Smoker Life Insurance?
Through most companies, life insurance is incredibly expensive for cigarette smokers. At Basta Executive Financial Services and Employee Benefits, we aim to make smoker life insurance more affordable for you, so that you can get the coverage you need at a price your family can afford. Although smoker life insurance can be more expensive than non-smoker life insurance, it is possible to get better rates than you have now or have been quoted on. Some of our policies even offer cigar smokers and tobacco chewers non-smoker rates.
Why is Smoker Life Insurance so important?
Life insurance is a valuable investment because it ensures that your family will always have access to the things they need. It’s important to consider what your family would do if you passed away unexpectedly. Would they have enough money to pay the bills? Would they be able to keep their house? Investing in life insurance is a priceless gift to your family in a time of extreme need. If your family could not afford these things without you and you don’t have life insurance, it’s time to consider getting coverage.
Being a smoker doesn’t mean living without life insurance, and it also doesn’t mean you’re forced to have an overpriced policy. With Basta Executive Financial Services and Employee Benefits, smoker life insurance is now available to you at an affordable rate. You can protect your family’s future, even beyond your own life.
Smoker Life Insurance Provides:
Even though you smoke cigarettes, we are able to help you find a life insurance plan to meet your needs at affordable premium rates. Our professionals can help you find the perfect plan with all of the benefits you need.
With smoker life insurance, you can:
- Get up to $2 million in coverage
- Receive a refund of your premiums when the policy expires
- Receive your benefit early to deal with a terminal or critical illness
- Insure your children under the same plan for a single policy fee
- Receive additional benefits in the case of disability
- Waive your premium payments if you become unemployed
- Provide an increase death benefit if you die in an accident
- Choose to have the death benefit delivered to your family as a lump sum or monthly payments
Our team of highly skilled licensed insurance specialists will work with you to develop a plan that provides the coverage you need at a price you can afford. To learn more about these and other benefits of our Smoker Life Insurance, please fill out the form below today and one of our licensed agents in your area will contact you. We look forward to hearing from you!
Note: Not all benefits are available in every state. Please ask your insurance specialist for more details.
[wpforms id=”934″]