In this episode of Retire Less with The Annuity Expert, we share an innovative life insurance strategy that lets smokers pay non-smoker rates upfront—on one condition: quit tobacco within three years. Learn how this unique policy works, who can benefit, and why it’s a game-changer for occasional and long-term smokers ready to make a change. Whether you quit or not, this approach ensures affordable coverage without the risk of losing your policy. Tune in for expert insights and actionable advice on saving big while taking control of your health.