A smoker in their 40s can usually expect to pay three to four times as much. Insurance companies charge this massive price increase because smokers have such a higher risk of death than nonsmokers. In addition, smokers often have other health problems like a poor diet or an inactive lifestyle.
Wouldn’t it be wonderful as a smoker, to qualify for non-smoker rates?
This is in no way a guarantee that you will qualify. However, you may.