Reader’s Question: How much can I expect to pay for in terms of life insurance premiums here in New York if I smoke regularly? Caitlin Islip, NY Admittedly, you would pay much more, about three or even four times more, for life insurance coverage if you are a smoker. Of course, the actual rates will [...]

I have decided to purchase a life insurance policy but a smoker, are their existing coverages for me which has low premiums? By the way I am in my 40s living in Joliet Illinois IL. Ben Joliet, IL Hey Ben, how are you? Yes there are existing coverages for smokers like you. Though you will [...]