Can Smokers in California Qualify for No Medical Exam Life Insurance?
Many smokers worry that life insurance will be out of reach or too expensive. The good news is, smokers in California can qualify for no medical exam life insurance, though rates may differ.
How Smoking Affects Your Eligibility and Rates
Inclusion in No Medical Exam Policies
Ethos offers no medical exam life insurance policies that accept smokers. You'll just need to answer some health and lifestyle questions honestly during the application.
Premiums for Smokers
Smoking significantly increases your risk profile, so premiums will be higher than for non-smokers. However, no medical exam policies still provide an affordable, fast way to get coverage.
Benefits of No Medical Exam Insurance for Smokers
- Fast approval without invasive tests.
- Coverage starts immediately after your first payment.
- Flexible coverage amounts from $20,000 to $3 million (for eligible ages).
How to Get Started
Answer a few health questions online and get an instant quote tailored to you, smoker or not. Ethos makes it easy for Californians to secure affordable life insurance regardless of smoking status.
Don’t let smoking stop you from protecting your loved ones. Get your instant no medical exam life insurance quote in California today.
Disclaimer: Insurance policies vary by company and state. Confirm details with a licensed representative before purchase.
