Using tobacco won't ordinarily disqualify you from getting Life Insurance. What it will do is dramatically raise your rates. SelectQuote represents Life Insurance companies that give non-smoker rates if you've quit using all forms of tobacco for at least a year. We also represent a company that has favorable rates for smokers.

If you've had health problems, there's a good chance you can get Term Life Insurance. Again, you'll probably pay more for it. SelectQuote has helped cancer survivors and people with diabetes or heart disease get the coverage they need at competitive prices. Many of the Life Insurance companies we represent specialize in underwriting people with less than perfect health.

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