Teen Smokers Life Insurance Washington DC
Reader’s Question:
I would like to get a life insurance from Washington DC but I have been smoking for less than 5 years. Are there available insurance for my age. I am only 16 years old and currently working with Walter Mart. Thanks.
Tanya
Washington, DC
Hi Tanya! Thank you for your enquiry. Since you have not been a smoker for a long time and you are at such a young age, if you would like to avail of an insurance in Washington DC, there is a short-term life insurance coverage (usually less than or equal to five years) available for you. If you talk to your insurance agent in Washington DC, you can ask them if you can receive a less expensive rate from a term life insurance policy than the other type of a life insurance policy.
A reason to this is, if you at present are physically strong and no condition whatsoever that your health is associated with your smoking habit and you are still young, then there is little to no possibility that you will pass away within five years from any smoking habit related condition.
Since the term life insurance policy that you will get would expire ahead of time, the insurance company may not perceive your smoking into a huge consideration when providing you a term life insurance estimate, in contrast to other life insurance options.
This will differ depending on the insurance company you ask and the span of policy you choose.