Are you interested in buying life insurance sometime in the near future? If so, your health is going to greatly determine how much you pay. This includes whether or not you are a tobacco user.

Without exception, if you use tobacco in any form your life insurance is going to cost much more than a non-user. This may not be something that worries you right now, but when you begin to shop for life insurance you will soon realize that you are making a big mistake.

Typically, your life insurance company will ask if you have used tobacco in the last 12 to 18 months. Although you may be tempted to lie, this is not the time to bend the truth. Instead, you need to be open and honest with your agent from the get-go.

Your medical exam – which includes a urine and blood sample – will show if you are a tobacco user. There is no way around this.

To avoid a higher premium, it is important to stop using tobacco well in advance of applying for life insurance. If possible, you should cut this out of your life 18+ months in advance. This will go a long way in ensuring that you get the non-tobacco premium.

Even though the ability to buy life insurance for less is a big benefit, something bigger should be on your mind: your overall health. When you stop smoking, you are going to feel better. Not to mention the fact that you can help avoid many serious problems such as cancer and heart disease.

It is easy to say that you are going to stop smoking. However, turning this into a reality is not always as simple as it sounds. Set goals to ensure that you are always on the right track and that you will continue to push forward until you are not longer reliant upon tobacco.

In addition to setting goals, you should make it clear what the benefit will be in the end. In the case of buying life insurance, the main benefit of stopping is that you will be able to pay less for coverage. This should be incentive enough to keep you pushing forward until you reach your goal.

If it were simple to quit smoking everybody would do it. Rather than go at this process on your own, ask your primary care physician for advice. You may find that there are many things you can do to aid the process. For example, the use of nicotine chewing gum could give you the advantage necessary to beat this addition.

There is no denying the fact that cutting smoking from your life can be a huge challenge. Although you are facing an uphill battle, the benefits in the end are well worth it.

After you have been nicotine free for 12+ months, you can apply for life insurance with confidence. As long as the rest of your health is in order, you will find that your premium is much lower than it would have been.

With the dangers of smoking well documented, life insurance companies are forced to charge higher premiums on those who use nicotine.

You may be interested in applying for a policy right now, but if you currently use nicotine you should hold off for the time being. It is important that you cut smoking from your life. This way, you can confidently apply for coverage knowing that you are going to get a great deal on the premium.