Smoking and Life Insurance: What You Need to Know

You already know that smoking isn’t a great idea for your health, but it could also be hurting you financially–especially when it comes to your insurance premiums. Searching for how this can affect your life insurance policy in Dadeville, AL? Highpoint Insurance Group is here to help. 

Here, we’ll take a look at how smoking could affect your life insurance policy. 

Smoking and Life Insurance

There’s no doubt that you can qualify for a life insurance policy if you smoke or use other tobacco products, but using these products can mean that you’re going to be paying more than if you quit. Since smoking and the use of other tobacco products have proven to be harmful to your health, life insurance companies are able to charge more for policies for people who smoke.

The good news: you’re not stuck with higher rates. After you’ve been tobacco-free for a year, you’ll be able to talk with your life insurance agent about a potential change in your policy that could lead to lower rates. Getting tobacco products out of your life can be tough, and knowing that you’re going to save money when you make the switch to a smoke-free life can give you the incentive you need to keep working towards getting healthier. 

Contact Us Today

Finding the right life insurance policy for you and your family is a key part of ensuring the ones you love are protected if the unexpected occurs. At Highpoint Insurance Group, we’re proud to serve our Dadeville, AL customers, and we look forward to getting to know you and discovering which of our life insurance policies is the best fit for your needs.