Life insurance rates are based largely on statistics. A smoker term insurance rate is higher, for example, because smoking causes 87 percent of lung cancers. Any activity that increases the likelihood of early death will affect your premiums. The good news for smokers is that their life insurance rates have been decreasing in recent years, mainly due to competition among insurance companies for your premium dollars.

Smokers are also living longer and healthier lives, and many insurers are becoming more liberal with their criteria regarding what defines a smoker. Some will consider you a smoker if you have used tobacco products in the last 12 months, while others go back as far as five or 10 years. An online smoker term insurance rate will quickly tell you where you stand.

American Life Direct offers instant quotes for anyone seeking a smoker term insurance rate. We recognize the need for smokers to get good no medical term life coverage, regardless of tobacco use. That is why we make it easy for you to obtain up to $150,000 in term life coverage for monthly premiums that are lower than you might expect to pay.

Without a lot of health questions and without a physical, smokers can get good no medical term life protection in just minutes. Simply request your smoker term insurance rate from American Life Direct, fill out and submit your application and get your approval. Once you pay your first premium online, you are covered.