You ought to know right from the beginning that insurance companies typically charge with greater prices those who can be categorized as regular smokers. Being a smoker automatically puts you into a high-risk category and your premiums will be higher in comparison to non-smoking peers.
That is' because insurance companies used different risk classifications and based on someone's well being and bad habits he or she's put in a specific category. Read this article to know more about the entire life assurance for smokers.
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Even if you've got a fantastic body and health, smoking or using nicotine regularly will automatically push your prices higher in comparison to customers from precisely the identical risk group but with no history of nicotine use.
Are you a smoker? Insurance providers tend to get very sensitive when it comes to tobacco use among applicants. Generally, the application form will feature a question about tobacco use in the previous twelve months.
This includes cigarettes, cigars, chewing gum, and sniffing tobacco. And if the solution is positive you'll have to indicate the frequency in which you are using tobacco products.
It doesn't matter if you smoke a few cigarettes or a complete pack in one day – you are still a smoker and it is in your interest to answer the question honestly. But wait, it gets worse! Tell the truth in all cases when registering for a life insurance policy you'll be asked to go through a health check.
Taking the fact that smoking takes about 72 hours to leave the body completely the examination will reveal how honest you were when answering the questions in the application form. Needless to say, you might get ready for the examination and continue without even a single smoke 3 times before the check.