Getting a life insurance rate even for the simplest policy can be a time-consuming task depending on how you go about it. At American Life Direct, we're happy to speed up the process. From initial comprehensive rate quotes to purchasing an actual policy, we can handle your concerns quickly and conveniently through our online system. At American Life Direct we provide fair smoker term life insurance rates both quickly and without needless fuss.

Life insurance high risk applicants include those with pre-existing health conditions and smokers. Just because you choose to smoke, however, we do not think you should have to live without the protection of a secure life insurance policy. We will do our best to find the top smoker term life insurance rates for your given situation. As a smoker, however, you have to be prepared to find rates sometimes higher than those for non-smokers. If you happen to smoke cigars, pipes, or use chewing tobacco, some insurance companies will still allow you to get coverage as a non-smoker. This varies from company to company, but it can provide a significant discount.

We work and have relationships with the very best life insurance companies in the business. We only offer life insurance from companies that have an A.M. Best Company rating of A+ or higher. As life insurance can be a confusing topic for those who are not familiar with its terms, we have a staff of Chartered Life Underwriters who are more than willing to address any and all questions and concerns you might have.

Just because you have been labeled as a life insurance high risk customer does not mean that you should settle for second best. At American Life Direct, we will make sure that we find the absolute best smoker term life insurance rate for you and your family. We believe strongly in our products, and we know that life insurance can be an excellent way to make sure that your family and colleagues are financially covered in the event of your untimely death.