We all know it now, smoking is not good for your health. Looking to purchase a life insurance policy? If you smoke that is going to cost you. A non-smoker in good health might be able to obtain a $1,000,000 term policy for as little as $400 – $500 a year depending on age. A smoker might qualify for a benefit that is a fraction of the non-smokers, $250,000 benefit. Take it from the picture below. Stark Associates public service announcement, do not smoke.

If you smoke you could end up like this but more importantly your premiums would be much more expensive.