Smoker Life Insurance California CA
Reader’s Question:
When I bought my life insurance 2 years ago, the policy issued to me was a smoker rating. I have already decided to quit and I have not been smoking for more than a year. Can I inform my insurance company that I quit smoking so that my premium would be reduced?
Cynthia
Los Angeles, CA
Yes. It is definitely do-able Cynthia. By informing your life insurance company in California that you already quit smoking, you may be placed into a non-smoker rate. Most insurance companies in California require a minimum of one year for smokers to quit. You will then be submitted to a nicotine test prior to changing the rate.
Most people would contact their California life insurance agent or life insurance company if their policy was issued at a “Smoker” rate and they have now stopped smoking, to get a lower premium.
And so can you!
As long as you are certain that you have quit smoking, then by all means, contact your agent as soon as possible to save you a few dollars on premiums.
Loading ...