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You can get long term care insurance if you smoke. Although it may increase premiums, you should not be denied coverage just because of nicotine use.
Each carrier treats smoking differently, so finding the company that charges the least price for nicotine is important (along with comparing benefits). Reputable studies continue to show that smoking will lead (on average) to a higher risk of specific medical conditions.
An experienced full-time broker can easily review the top-rated companies with you, find the lowest prices, and help you apply for coverage...whether you are a smoker or nonsmoker.
All morbidity products take into account the medical impact of nicotine use over the life of the proposed insured. The health complications from nicotine products are been so significant that premium pricing for long term care, disability and medical insurance coverage can be exorbitant, especially at the policy age of issue, starting at age 55.
Each carrier treats smoking differently, so finding the company that charges the least price for nicotine is important (along with comparing benefits). Reputable studies continue to show that smoking will lead (on average) to a higher risk of specific medical conditions.
An experienced full-time broker can easily review the top-rated companies with you, find the lowest prices, and help you apply for coverage...whether you are a smoker or nonsmoker.