Where could one find life insurance quotes for a 45 year old smoker?

Finding life insurance quotes isn't as big a job as it was before the Web came along, but it can still be frustrating. For example, if one is a 45 year old smoker, the quotes may not be cheap and there may be fewer choices. A good place to start is by obtaining a quote from a well-known insurance provider, or through a local independent insurance agent. Getting quotes on line is simple, but one must take caution that the service being used will not abuse the information obtained.