If you're thinking about insuring your life and don't even consider giving up smoking then prepare to pay up because insurance companies don't like smokers. To be more precise, it's not a matter of "liking" someone because of their habits.
Smokers are considered to be a high-risk group of policyholders and there's a whole set of reasons for that, which we usually call smoking-related health conditions. If you want to learn more about the whole life insurance for smokers, visit https://topwholelife.com/whole-life-insurance-for-smokers/.
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Lung, throat, and mouth cancer are probably the most common health conditions that come into mind when we mention smoking, but besides these devastating illnesses, there are also plenty of health conditions such as heart diseases, arthritis, eating disorders, and many others that are linked to smoking.
What can you do as a smoker to get reasonable rates to ensure your life with? There are generally two options, which are both not very easy to take. First, you can cease smoking for good and this will automatically assure you with more competitive rates.
Still, in many cases, you will have to wait for a couple of years before taking a life insurance policy because you may still be classified as a smoker by some companies if you have ceased smoking recently.
It varies from company to company and if one insurer can classify you as a non-smoker in case you're not using tobacco at the moment of signing the policy, others will require you to hold from smoking for a couple of years to get non-smoking rates.