We’ve Got The Answers: How Long Do I Have To Quit Smoking Before Applying For Life Insurance?

Today’s Question: How long do I have to quit smoking before I can apply for an individual Life Insurance Policy?

You do not have to quit smoking in order to apply, but keep in mind that smokers do pay higher premiums than non-smokers. To apply as a non-smoker, however, the rule of thumb is 12 months where you have been smoke-free – including nicotine or nicotine substitute products.

For preferred rate plans, the period can be longer. What you want to do is talk to a broker who works with a plethora of companies and knows the protocols for all the carriers to ensure you get the pest policy for your situation.

More Life Insurance questions? We have more answers here!


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