Smokers who have been told that they must pay high rates for their life insurance will be happy to know that smoker's rates for insurance coverage are at record low levels. The rise of Internet-based life insurance service companies, more intense competition between carriers and longer life spans are all factors that have contributed to the drop in premium costs for smokers. Buying smoker term life insurance online has become a cost-effective way to purchase coverage.
Online shopping for insurance means that smokers can now get competitive rates on life insurance for high risk applicants. American Life Direct offers smoker term life insurance online, with no physical exam and no waiting for coverage. In 10 minutes you can have an insurance policy in place for up to $150,000 in term life protection.
Our quick four-step process is designed to simplify your life insurance purchase. Just let us know that you are a smoker, and we will give you the best rate on life insurance for high risk applicants. You can choose from between $25,000 and $150,000 in term life protection when you get your smoker term life insurance online with American Life Direct.
Your fixed, level premiums will never rise, and your death benefit will never decrease. When the process is this easy and stress-free, there is simply no reason to put off purchasing your smoker term life insurance online with American Life Direct. Contact us for your guaranteed rate and the best quick coverage you can get for your premium dollars.
