I am a smoker will that effect my rates?
Ann
Houston, TX.
Ann,
Yes, smokers life insurance is usually more expensive than nonsmokers. In fact smoking is such an unhealthy habit that smokers should be aware that they may be rejected by some insurance companies entirely. Smoking has been a chief concern for many years, with educative and persuasive techniques employed to encourage the public to quit.
Last year’s public smoking ban this is another area in which smokers are being specifically targeted. Premiums for non-smokers have slowly fallen in the last few years whereas those for smokers have risen sharply, some estimates claim that smoking policy holders are paying up to 100% more than their non-smoking counterparts.
Great Question.
Posts Tagged Insurance Companies
Q: Can I get cheap No Exam Life insurance in Houston Texas?
A: Life insurance is such a competitive business. This can be a good, affordable choice for some, but many people will get a cheaper price by taking a few minutes to take a convenient physical exam.
When you shop for life insurance online, it is possible to get a no exam life insurance policy. This applies most often to term life insurance policies, so the easiest way to find no exam life insurance is by searching a website with a large database of insurance companies that provide term life insurance policies.
Insurance companies usually use individual “lifestyle factors”. Such factors usually include your age, gender, occupation, current health and whether or not you’re a smoker. The latter makes a huge impact on the overall cost of the insurance. So if you are a smoker, who’s considering taking out life insurance, then quitting could potentially save you thousands.