Life Insurance…Very Expensive

For many years the wife, and I have discussed the fact that we need life insurance.  Each time we look into getting a life insurance quote the money is doing ok.  Well, we have realized that without it we could just be causing more problems.  Costs of funerals, and everything else would be piling up, and no money to pay for it.  Now she wants me to look into it once again so that we have everything covered.  Being a smoker changes a lot.  I guess I can only hope that nothing happens until I am older so that I can get a life insurance policy like they always show on tv.  The older people always seem to have it better than us.

Any suggestions on a company I should call that doesn’t have issues with smokers?

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