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Many people have asked me where the best place is to find smoker term life insurance online.  I tell them that there are many companies that sell life insurance for smokers, and in many instances it probably doesn’t matter where you apply.  However, you never know when you will be a special case and need more information and expertise than the average life insurance agent can offer.  For that reason, I normally suggest that people apply with the folks at Wholesale Insurance.  They are very knowledgeable and have been working with smokers for years.  They’ll help you find the best company and rates for you, and they do it for free, with no charge or obligation.

Of course, that doesn’t mean that the life insurance is free.  When you finally accept a policy with a carrier, you will need to begin paying premiums to the carrier you have selected.  Wholesale Insurance is not a carrier.  They are an agency that represents many carriers, and the only time they will ever even get close to touching your money is when they receive the first premium check and forward it on to your carrier of choice (and the check is always made out to the carrier, not Wholesale Insurance).

The life insurance industry has multiple levels.  In most instances, you will never deal directly with your life insurance carrier until you have a policy with them.  During the application process they require that you go through one of their contracted agencies.  Wholesale Insurance is an example of one of those agencies (and a very good example at that).

This entry was posted on Saturday, January 5th, 2008 at 3:18 pm and is filed under Wholesale Insurance, Life Insurance. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.