Sunday, March 1, 2009

how much higher are smoker life

Most insurance carriers believe that a smoker is someone who has used some form of nicotine product or marijuana within the last 12 months however some carriers will even look at longer time frames up to 5 years or longer. Included in the definition of nicotine products are cigars, cigarettes, pipes, nicotine gum, patches, chewing tobacco. If you smoke less then one cigar a month some carriers will consider you a non-smoker. Should you choose to quit smoking during your policy term then there are a number of options that can save you money. It is possible that you could change to the non smoker category and therefore receive lower premiums however if your health has changed since the start of the life insurance policy this option may not be available.

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  3. A very nice blog thanks for the new information.
    There is no surprise, if you are a smoker you have to pay more for life insurance. Insurance company keep us in smoker risk category if we are smoker.

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  4. Your post can really change a smoker into non- smoker as you have showed several advantages attached to that. Thanks for such post.
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  5. its very informative blog that you have shared with us. So we must consider these issues also before opting for any insurance plan. But very helpful blog.

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  6. If you smoke less then one cigar a month some carriers will consider you a non-smoker.
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  11. Smoke can swallow a life in slow speed.So I think it must be stopped .Your post is very valuable as it can really show a smoker what he is doing with his life and family and can convert him into non-smoker.
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  14. This makes me wonder if underwriting will ever take smoking in the household into account when writing life insurance for the children in the home. Being subjected to second hand smoke must increase their risks dramatically.

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  15. There are no greater feelings than to have realization that your kids will not be alone after you. You work hard throughout your life in order to prove a responsible father and caring husband but even you feel that this will not be sufficient for your family in case of some crisis. There is nothing to be worried about. It’s a story of every home. And Life Insurance companies give you the best solution by providing the reasonable plans of life insurance for children and their future making secure even after you.

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  16. Well this is true that the life has adverse affects due to smoking but it may have other consequences and they may be to pay more if you have life insurance for smokers policy.

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  18. Yes, I had my term life policy re-rated after having quit smoking for more than 1 year. Some insurers will allow you to be tested for nicotine and consider a re-rate of your life insurance policy after you quit smoking. Non-smokers may save up to 40% or more on life insurance compared to smokers. That's because smoking can lead to health issues that reduce your life expectancy, such as, COPD, lung cancer, emphysema, etc. My mom died of cancer of the bladder, and the doctor said it was related to her history of smoking. You can compare smoker life insurance rates online among several highly-rated carriers to help you find some competitive prices.

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  20. Great, very helpful blog. I am looking for as much help and information on life insurance that I can get. Anyone that is strong enough to quit smoking should not hesitate to get their insurance re-rated.

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  25. Smoking is very injurious for life and life insurance, Thanks for reminding.

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