About

Welcome to Smokers Term (sm).

Smokers Term (sm)  specializes in helping smokers (cigarettes, cigars and pipes) obtain  the best life insurance values.

In case you, like most people,  didn’t know that different life insurance companies treat smokers differently, that’s OK.  This is the specialty of  a Term Specialists.

Importantly, Smokers Term (sm)  is affiliated with The Term Exchange (sm), a name you can trust.

As an aside, this website focuses on term life insurance, as opposed to  “cash value” type policies, commonly referred to as “Universal Life” or “Whole Life”. Unfortunately, too many agent promote UL or WH too often, leaving consumers either underinsured or “insurance poor”.  (We will not say why this happens unless you ask.)

However, if your situation definitely calls for UL or WL, or a combination of term and one of these, and you are looking for the best SMOKERS policy, please advise, and we will “shop your case”.

This is what we do.