Each smoker life insurance company claims to offer competitive rates on its products. Some do, and others still charge a premium for insuring high-risk customers. On average, smokers routinely pay up to three times more for their coverage than non-smokers, and many do not even realize it.

A little research will yield a wealth of information a smoker life insurance company and how it determines its rates. For insurance purposes, there are two basic classes of smokers: preferred and standard. However, insurers vary in the way that they classify a smoker. A moderate user of tobacco products may be given preferred status with one company, while another may consider any amount of usage grounds for a standard classification.

Further complicating matters, a smoker life insurance company often takes into consideration the amount of years that one has been smoking. Ex-smokers may be offered smoking rates even if they have only been tobacco-free for one year. Many insurers will only give non-smoking status to those who have not smoked for at least three years. No two insurance providers are exactly the same, and their rates and coverages for smokers reflect this fact.

American Life Direct understands the issues that smokers face when seeking life insurance coverage. We offer a way to purchase insurance that allows smokers to get term life no exam coverage with some basic medical questions. It takes only a few minutes, and we think you will consider it time well spent.

It is called Simplified Issue Life, and it is designed to help smokers obtain comprehensive term life no exam policies with no delays. Our smoker classification is simplified in order to eliminate complications regarding smoker status. This allows us to offer the best deal on your term life protection and put your policy in place quickly. We are a smoker life insurance company with a better way to get the term life coverage you need.