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Life Insurance for Smokers

THE HIGH LIFE INSURANCE COSTS OF BEING A SMOKER SMOKERS DIE 10 YEARS EARLIER STROKE CANCER HEART LUNG DISEASE DISEASE Smoking a $10 pack of cigarettes every day adds up to $3,650 a year for every person who dies from a smoking-related disease 20 more people suffer with at least one serious illness from smoking MONTHLY PREMIUM FOR A 20-YEAR TERM LIFE INSURANCE POLICY OF $500,000 FOR 45-YEAR-OLD MAN NON-SMOKER SMOKER $52 $289 Over a 20 year term a smoker will pay Whole life $56,880 MORE than a non-smoker insurance rates are For $56,880 you can take a luxury cruise around the world 20-30% LOWER FOR A NON-SMOKER TERM LIFE INSURANCE RATES 100-300% HIGHER FOR SMOKERS smokers in excellent health, may get a slightly better rate at "DON'T CHOOSE THE WRONG COMPANY" "preferred tobacco" if you smoke anything other than cigarettes some companies will offer you non-tobacco rates instead of standard tobacco HOW TO GET LOWER RATES Some companies will consider clients for a standard non-smoker rate class if they use alternative forms of tobacco, which include non-cigarettes such as chewing tobacco, pipes, cigars, e-cigarettes, and even marijuana Electronic cigarette sales increased from 50,000 in 2008 to 3.5 million in 2012 in the U.S. Switching to E-cigarettes, also called "vaping" can get you non smoker rates with some companies For the occasional cigar smoker or other non-cigarette user, a blood or urine test can be done to check for nicotine. A doctor's statement or health records may be needed to verify that a smoker has quit To quit smoking and get a non-smoker rate, a smoker will have to quit for at least a year IN 2010 69% 52% of smokers want of smokers to quit completely attempted to quit produced by Life Choices Made Easy. SM call us for a quote today 800-574-0245 JII

Life Insurance for Smokers

shared by bulatus on Nov 28
Economic and health effects of smoking. Please share it if you think it may be helpful to others.


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