Quit smoking and enjoy better health and cheaper life insurance rates. It’s a win-win!
Smokers have long been penalized with higher life insurance rates than nonsmokers. But did you know that quitting smoking can not only improve your health and longevity, but also lead to big savings on your life insurance premiums?
If you’re a smoker, it’s never too late to quit and reap the benefits. Here are some of the top life insurance carriers that offer nonsmokers significantly lower rates.
1. Banner Life
2. Mutual of Omaha
3. State Farm
These carriers all offer nonsmokers rates that are at least 50% cheaper than their rates for smokers. So if you’re paying $100 per month for a life insurance policy as a smoker, you could pay as little as $50 per month after quitting.
Now let’s look at some of the health benefits of quitting smoking.
According to the Centers for Disease Control and Prevention (CDC), smoking is the leading cause of preventable death in the United States. Cigarette smoking kills more than 480,000 Americans each year.
Smokers are also more likely to develop serious health problems such as heart disease, stroke, and cancer. In fact, smoking is responsible for about 90% of all lung cancer deaths.
Quitting smoking has immediate and long-term health benefits. Some of the benefits you can expect to see after quitting smoking include:
1. Lower risks for developing cancer, heart disease, and stroke
2. Improved lung function
3. Enhanced sense of smell and taste
4. Better circulation
5. More energy
6. Reduced risks for developing colds and other respiratory infections
7. Improved fertility
Quitting smoking is not easy, but it’s worth it for your health and your wallet. If you’re ready to quit, talk to your doctor about the best ways to do it. And be sure to shop around for life insurance rates after you’ve kicked the habit for good.