Life insurance is a smart way to assure the financial safety of your spouse and children, should anything happen to you. However if you are among those smokers who are easy targets of mortality, prepare to be charged more. Take note that insurance companies put occasional smokers and heavy smokers having the same problem. Should you have that occasional cigarette on a weekend, you're still equally as much a financial liability as the heavy smoker who goes through a pack or two per day.
So long as you have enjoyed smoking no matter how small the level, you are an identified smoker. It doesn't even help that you use nicotine patches or chew tobacco, because that falls under the same category. Safe to say that a small puff within 12 months will escalate your assurance rates.
The financial consequences of smoking go beyond the money spent to buy your cigarettes. Besides the health threats, you will have to bear the brunt of higher life cover rates, when compared with non-smokers. But that doesn't end there, cheap life cover quotes may still be available. Below are a few tips to obtaining affordable quotes.
Avoid Smoking - Even though this may sound like a harsh advice, it is certain for individuals who wish to pay cheap life cover. If you're able to gather the perseverance to give up smoking fora year, you'll be able to come under the non-smoker category and so, you'll pay less. Should you compare the life insurance quotes of smokers and non-smokers, you would spot the difference in premiums. So quitting may be tough, but it's the easiest way to lessen on expenses.
Life insurance protection quotes - Wait for a Few years before applying - Say you have been smoke-free for three years now, at that same moment the insurance provider will not recognize you as a financial liability any longer. Because of that, you may now shell out and relish the perks of a regular life insurance plan. The lung tissue is claimed to heal five years after complete smoking cessation. Therefore, it is prompted that you get a policy after the said period. This will also help disprove the "once a smoker always a smoker" adage that most assurance providers believe in.
Look Around For Life Insurance Quotes - Die-hard smokers who choose to keep smoking have no other recourse but to consider looking around for cheap life insurance for smokers. You may opt to compare quotes from insurance agencies within your area. Or browse the internet for legit assurance firms. Some companies allow individuals to compute their personalized quotes online. Company sites are all around, you just need to select the right ones.
Smoking can destroy both you and your loved ones. There's always a way to cease it, if you just think of your family as your major reason of doing so. But if everything else does not work out, economical life assurance plans are what you should go for, beginning now.
Author Resource:
Lastly, ensure you check our excellent free report on life insurance plan, this write-up is on locating a excellent life assurance in your area.
![[Valid RSS feed]](http://www.look4articles.com/images/icon_Rss.png "XML Feed For RSS"){kind=icon}
Category Rss Feed
Print This Article
Add To Favorites
![[Valid RSS feed]](http://www.look4articles.com/images/rss.jpg "XML Feed For RSS")