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Life Insurance for Smokers
By plrprousers | April 30, 2009
Insurance companies classify a smoker as a person who may have used a form of nicotine product within the last 12 months. You will have to be aware that smoking with influence the cost of your life insurance policy.
When you are asked if you are a smoker it is important to answer truthfully since you could void your policy if you are found to have lied.
What happens if I quit smoking during the term?
You will most likely be able to save money if you quit smoking after you get your insurance policy started. If this is the case then you should check this with your insurance company as some will have different rules to define a non smoker for life insurance. Usually they state that you will have had to not used a tobacco product for one entire year. This may seem like a long time but the insurance provider is always concerned that you might start smoking again so they want to make sure this doesn’t happen. If you have any questions about life insurance medical examinations or how smoking might affect your policy then contact your insurance company.
What are the health implications of smoking?
Everyone knows that smoking will negatively affect your health and could lead to an early death. If you are a regular smoker then it is possible that you will be more susceptible to cancer and diseases of the lung, throat, mouth and heart. So not only is it cheaper to get life cover if you are a non-smoker you also save yourself from greater risk of health problems.
Aside from the medical problems of smoking there are also some unpleasant and quite unsociable effects. This would include yellowing teeth, premature ageing, smelly breath and clothing.
How could I Quit Smoking
There have never been better support systems for people hoping to quit smoking. The NHS provides a lot of information and can offer one-on-one or group support in your local area. You can also purchase patches, inhalators, and gums that can help you stop smoking gradually so that you can finally quit.
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