Smokers Term Life Insurance Quotes - Boise Life Insurance Broker - Chris Antrim - Pricing & Cost

Smokers Term Life Insurance Policies - Get Affordable Rates

Smokers often pay extremely high premiums on life insurance policies . This includes premiums for those who are heavy smokers and those who smoke only occasionally, it doesn't matter to the insurance carrier. 

If you use tobacco in any form you will pay tobacco rates. Except for celebratory cigar! 

Premiums are usually double that for a nonsmoker rate class. For those who've been heavy smokers, a smoker's annual premium is double if not 3 times that amount.

Why has Tobacco been rated so aggressively? Tobacco use is known to cause heart disease, stroke, lung cancer, and even kidney failure. 

These are serious diseases that can quickly kill. If you're one of the people who smoke, you may shop around for the best tobacco rates you can find! 

You can help to protect your health and keep premiums lower by making a few changes to your lifestyle.

How To Quit Smoking and Get Better Life Insurance Rates

The simplest way to quit smoking is to just quit cold turkey if you can! However, the second most important step to quitting smoking is changing your lifestyle. 

Smoking not only depletes your blood sugar levels, but it also harms your physical health. 

As your blood sugar levels drop, your body produces androstenone, which is a substance that causes your body to produce more cholesterol and triglycerides. 

This makes it harder for you to properly burn fat and maintain a healthy weight.

To quit smoking effectively, you need to change your diet and mindset. It is recommended that you cut out all processed sugars, as well as processed grains, and replace them with fresh fruits and vegetables. 

By replacing processed foods with fresh foods you'll give your body the nutrients it needs to function properly, as well as helping to reduce your risk for disease.

As you can see changing your lifestyle is the best way to get great rates on all your health was underwritten insurance policies. Examples are Life, Health , Disability, Long Term Care Insurances. 

Many people with high-risk factors have high levels of LDL or bad cholesterol. Bad cholesterol will clog up the arteries, causing heart attacks and strokes. 

There are many other risks associated with smoking, including cancer and respiratory problems. It is important to determine what you are at risk for and then find a plan that offers the best coverage for the most amount of coverage. 

You may also be considered a high-risk factor if you smoke because it increases your chances to have hypertension, high cholesterol, and obesity. 

A high-risk individual may be denied the right to buy a life insurance policy at first due to these health concerns.

 If you are considered high risk, then your premiums may be higher, but some companies will help you lower the amount you pay. 

You can always ask for a rate reduction. If you quit smoking for some time you can ask the company to reduce the premiums. 

They are happy to do this. Since you are at lower risk you qualify for lower rates. It is a win-win for everybody! 

You may also be considered a high-risk group if you have a history of heart attack, diabetes, cancer, or liver disease. 

What Affects Tobacco Insurance Rates

For example, smokers who have a family history of these conditions may find that their coverage to be more expensive. These individuals are often asked to have a blood test before being insured so that they can qualify.

Once you have found a company that offers life insurance for smokers and chewers, you will need to find out whether or not your current employer offers this type of coverage. 

In many cases, your employer will have a group plan for you, which means that you'll have the advantage of not having to deal with a company representative.

Also, since it is a group plan it may be more affordable than your policy. The trade-off is, if you leave your work you typically leave the policy. 

Most group insurance plans will be cheaper than individually owned policies. Although group insurance policies are generally more expensive, they also typically cover many more individuals and are a lot less expensive to buy in a group. 

When buying a life insurance policy through a group plan, it's best to check with a reputable company and make sure you are purchasing a policy from a reliable company. 

You can also ask friends and family who may have insurance to recommend a good company.

As you see now, smokers and tobacco users can find affordable term life and permanent life insurance plans. 

Call our office today and we can shop the market for you to help you find the best policy at the price you can budget for. 

Thanks and please visit us at www.goidahoinsurance.com  where the agents and brokers can help you with Health, Medicare Supplement, Medigap, Advantage plans, long term care and annuities.

We work all over Idaho, The Treasure Valley, Boise Office, Twin Falls, Meridian, Nampa, Eagle and Star.

Some of our favorite carriers are Prudential, Banner Life, AIG, John Hancock, United of Omaha. We offer Term Life, Guaranteed issue, Whole Life and Universal Life with Term ROP or return of premium.



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Original post here: Smokers Term Life Insurance Quotes - Boise Life Insurance Broker - Chris Antrim - Pricing & Cost