Life assurance is a good way to assure the financial security of your spouse and children, should anything happen to you. However, if you are one of those smokers who are easy targets of death, prepare to pay more. Your level of smoking doesn't actually matter because as long as you smoke a cigarette, you pay more. Provided that you do the smoking deed, you're in for a pricey insurance journey.
If you've smoked even one cigarette, cigar or used a smoking pipe within the last 12 months, you're considered a smoker. Say, you gnaw tobacco or take pleasure in nicotine patches; you still belong to the group. Basically, even one single puff in a 12-month cycle can cost you more, for your insurance premium.
The financial consequences of smoking go further than the money spent to purchase your cigarettes. Aside from the health threats, you will need to bear the brunt of higher life assurance rates, in comparison to non-smokers. But there may be ways to reduce the life assurance budget. Below are a few tips to getting affordable quotes.
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| Smoking Insurance |
Break the habit of smoking - It is indeed a tall order, but that's what must be done to lessen life assurance quotes. If you're able to gather the determination to quit smoking for12 months, you'll be able to belong to the non-smoker category and so, you'll pay less. If you were to compare the life cover quotes of smokers and non-smokers, you'd spot the difference in premiums. So quitting may be hard, but it is the easiest way to lessen on expenses.
Apply Years After You Have Quit - In case you have not smoked cigarettes in no less than 2 years, the provider is able to consider you less of a liability. Now you can be part of the regular life assurance plan. It's been published in studies that after an effective therapy, the lung tissue will totally heal 5 years after. So for your physical and financial interests, it is with great reassurance that you sign-up for a regular policy by then. Most insurance companies believe in the "once a smoker always a smoker" saying, and you have the chance to change that.
Be Imaginative - For all those hard-core smokers who simply can't seem to quit, their only option is to search hard for cheap life assurance quotes. You can go to trusted insurance agencies close to you and compare quotes. Search the web for reputable assurance firms in your area. You may even get the personalized computation of your quotes made available online by some companies. You may browse through the company sites to find premiums that are valued to your liking.
Smoking can adversely affect you and your families. Find it within yourself to counter the addiction in the interest of your family and their future. But if all efforts are to no avail, it is then to better invest in a life assurance plan that will protect you in cheaper ways possible.
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