Smoker Insurance New Jersey NJ
Reader’s Question:
Hello! My fiancé, Jeff, is a great guy and a hard worker, but he is a smoker. I am working on that! I am also helping to plan our financial future. Is there such a thing as smoker’s insurance in New Jersey?
Madeline
Bayonne, NJ
Congratulations Madeline!
It seems like you are starting off on the right foot. It would be great if you could help Jeff stop smoking. Life insurance for smokers is always available in New Jersey. Generally, it is more expensive than insurance for non-smokers. It is safe to say that use of tobacco products will classify Jeff as a smoker in terms of life insurance.
If you and Jeff are successful with his smoking cessation, his life insurance rates will change. You might want to develop a life insurance strategy based on his good intentions. In the insurance industry, smokers are rewarded for stopping. Not only will Jeff feel better, he’ll be able to have more insurance at less cost.
As you consider life insurance, you and Jeff will be asked about your use of tobacco. To develop the correct strategy for your future, you should accurately portray Jeff’s usage. This will help your representative develop a life insurance plan that covers Jeff before and after he stops smoking. Again, congratulations to you both for your upcoming marriage and also for planning ahead for your financial security and well being.
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