Smoker’s Life Insurance Tallahassee FL
Reader’s Question:
Okay, so I smoke, but that does not make me a criminal. I am pretty successful and pretty healthy. I want life insurance and my friends say to lie about the smoking. Not my style. What do I do if I want to get a smoker’s life insurance in Tallahassee FL?
Shorty
Tallahassee, FL
Thanks for your honesty Shorty,
You have some things in your favor and most likely you, will qualify for life insurance. The underwriting process will take into account your smoking habit. They will, also take into account that you are successful and that you will be honest in answering their questions. They will ask for a medical examination but that will not be the sole consideration in you eligibility for life insurance. You need to contact a life insurance agent from Florida FL. I am sure he will be able to help you in Tallahassee.
Some life insurance companies in Tallahassee FL take only non smokers but others offer smokers life insurance companies. They may very well look at all your insurances. Also, they will look at your medical history. Your good health will help you procure a life insurance policy. Life insurance carriers evaluate their risk. Your agent will know which life insurance provider will consider your application. Just make sure you explain to him your smoking habit and your overall strong position. It seems that a life insurance policy is out there for you in Florida FL, Shorty.
Tags: life insurance, smoker life insurance
Smoker LIfe Insurance Rates Tallahassee Florida FL
Reader’s Question:
I am a smoker and I am looking for a cheap smoker life insurance in Tallahassee, Florida. Will my premium go down if I quit smoking so soon?
Dina
Tallahassee, FL
Hello there, Dina.
Chances are, you will get discounts from your life insurance company if you have definite proof that you are trying to quit smoking. Most life insurance companies would offer substantial discount who decide to quit smoking so that people will be discouraged from smoking.
Life insurance companies give consideration that there are different habits of smoking and that there are different substances that are being used too. This is primarily the reason why most smoker life insurance premiums vary for every type of smoker. One who smokes regularly would automatically get a higher life insurance premium than those who smoke on occasions.
Still the best option for you to avail of cheap smoker life insurance in Tallahassee is to quit smoking forever. But if you cannot do that for some obvious reasons, then the least you can do is to cut down on smoking. Let’s say if you currently smoke 20 sticks a day, you can slowly reduce your smoking habit to 15 per day, down to 10, then to 5, until you reach the point when you wouldn’t crave to smoke at all.
There is reason good enough why most life insurance companies charge higher premiums for smoker life insurance policies. This is by calculating the risk factor upon the insurer once they cover a smoker. Cigarette smoking can cause multiple health complications and smokers have a very high risk of premature death.