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

If didn’t know that different life insurance companies treat smokers differently, that’s OK.

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 under-insured or “insurance poor”.

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.

Smokers Term ™ is avaiable  through The TERMEX, The TermExchange ™. Coming soon. Not currently available in all states.