If you are a smoker and you are looking for ways to lower your life insurance premiums or are searching for the best price for your policy, well, you came to the right place.  We know you are looking for a fair deal in the midst of life insurance companies that charge smokers 2 to 3 times as much on life insurance compared to non-smokers.

Well, they really can’t help it because studies show that smoking shortens the life span of men by 14.5 years and of women by 13.2 years.  This fact forced life insurance companies to change how they underwrite and rate term life insurance for people who smoke.

But don’t lose hope.  We’ve got here some ways you can consider to lower your premiums:

1. Quit smoking - if you have been smoke-free for 1-2 years you may qualify for non-smoker rates.

2. Improve your health - Start exercising and eating right.

3. Lower your weight - Your height-to-weight ratio also affects your life insurance rates.

4. Find insurance companies that specialize in insuring smokers for life insurance.

5. Compare quotes for life insurance from multiple companies to find the best price.