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4 Reasons You Don't Think You're A Smoker -- But Life Insurers Do

By Alex Glenn If you want to avoid coughing up high premiums for life insurance, giving up smoking is a great start. Women who smoke pay an average of $1,071 more per year for term life insurance than nonsmokers, while men pay $1,455 more, according to NerdWallet research on rates for a 20-year, $500,000 policy at ages 35 and 45. Here's the rub: Even if you think that you've kicked the habit -- or that you never really started it -- a life insurance company might disagree.
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