I just placed a policy in force for a gentleman who needed $2,000,000 of life insurance for a buy-sell agreement. He’s a 38 year old cigarette smoker who told me he was quitting smoking. He was also recently diagnosed with Guillain Barre Syndrome (GBS), a disease that can be serious, and his treatment for the GBS only ended seven months prior.
Daily cigarette smokers always pay significantly more than non-smokers anyway. If you add a health issue on top of the smoking, as well as considering he was 5’ 10” and 225 pounds, I had to research the best rates and insurance companies for him.