Smokers No Exam Life Insurance
If you are a smoker or tobacco user and need no exam life insurance, you may actually get better rates with a no exam plan than with a full underwriting exam required plan. You likely already know that life insurance companies 
charge a higher than normal premium because you use tobacco products. In many cases, smoker life insurance can cost up to twice as much as the same policy for a nonsmoker.
It always seems that if you do an exam for your life insurance plan, rates would come out best. The fact is, sometimes rates don't even rate better. Why bother with all the risk of an exam and the long wait for an answer, when plans are available with no exam and low rates for smokers and other tobacco users.
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