If you're a smoker, you might be wondering if you should wait until you quit smoking before getting life insurance. While it's true that non-smokers typically pay lower premiums, waiting to get life insurance until you quit smoking might not be the best decision. Here's why.
First, quitting smoking can be a difficult and ongoing process, and you don't want to leave your loved ones without protection in the meantime. Life insurance is important to have no matter what your current habits are. It ensures that your loved ones will be financially protected if something were to happen to you.
Second, the longer you wait to get life insurance, the older you get, and the more expensive your premiums become. If you plan on quitting smoking in the near future, it may make more sense financially to get life insurance now, and then apply for a policy with lower premiums after you've quit smoking and remained smoke-free for a certain period of time.
Third, some insurance companies offer policies specifically for smokers, with higher premiums but without a waiting period. If you're unable to quit smoking right away, this type of policy might be a good option for you.
Finally, it's important to note that even if you're a smoker, you can still qualify for life insurance. The premiums may be higher, but you can still find a policy that fits your needs and budget.
In short, don't wait to quit smoking before getting life insurance. The best time to get life insurance is always now, regardless of your current habits. Protect yourself and your loved ones by securing a life insurance policy that meets your needs.
Looking forward to the opportunity to serve you and your family.
Ivonne Cabrera
Independent Life Insurance Broker
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