Smoker term insurance allows you to protect your family for an affordable monthly payment. With term life, you get pure coverage and monthly premiums that go entirely to the death benefit. This means that you are not paying for costs involved with maintaining a policy that has cash value.

Smokers typically pay more for their coverage than non-smokers. However, they can still get comprehensive term life coverage when they shop around for the best values. High risk life insurance does not have to break your budget. Contact American Life Direct for the best rates on smoker term insurance--even if you have used tobacco products in the past 12 months.

We simplify the process for smokers. You can obtain up to $150,000 in term life protection for a fixed monthly premium that is guaranteed never to increase. There are no invasive exams and no need to meet with an agent. Smoker term insurance through American Life Direct is the fastest, easiest way to get your term life policy put in place.

Even if you are looking for high risk life insurance, you can get covered in about 10 minutes. Simply get a quote for the term and coverage amount you desire. Then, request an online application and get your approval. Pay your first premium with a credit card or EFT and then print out your policy. Do not put off this important decision. Get quick, easy smoker term insurance with American Life Direct, and get on with your life.