We all know that smoking is devastating to one’s health. This is why you will always find on each pack the Surgeon Generals warning that, “Smoking is dangerous to health”. However, it’s a choice one has to make whether to quit or to continue.
Smoking has adverse effect on those who seek life insurance policies. In fact smoking is a major consideration in determining the insurability or un-insurability of an applicant. It also plays a major part in life insurance policy costing.
To a life insurance underwriter, smoking is a highly risky behavior when it comes to measuring mortality rate. An underwriter based on statistics, reports and research believes a smoker is a high risk applicant because of the various diseases and ailments associated with smoking.
Smoking ha been adjudged to be a powerful chemical addiction as well as psychological and social addiction. The tobacco which is the major ingredients of cigarette contains nicotine which is known to be toxic. It contains tars and other chemical proven to cause cancer. Unfortunately, cigarette cannot be banned in order not to infringe on fundamental human rights of people.
Smoking as discovered in several health researches increase the risk of cancer, heart attack, stroke, impotence, bronchitis and weaken the immune system. It increases one chances o catching infections and contagious diseases. It also increases the risk of a shortened life span.
With these associated risk, a life insurance provider is careful to protect himself adequately to avoid unnecessary claims. He also takes time to design a suitable policy to fit into the applicant’s lifestyle and make him pay a cost that will cover his risk.
Life insurance policy is advisable to all. However, if you’re desirous of getting a favorable rate, you should take steps to reduce your risk. Some of the steps you can take are: Quit smoking, watch your weight, eat right food and avoid unhealthy lifestyles. If you’re willing to keep these, you will get affordable life insurance rate.
If you’re considering life insurance policy, simply visit an insurer’s website and shop for quotes. To enable you get as much as five quotes to compare, rely on quote comparison sites to help you out at no charge. You can find several comparison sites but be wary of any that asks you to pay to get quotes. Life and every other insurance quote are free. Comparing quotes is very important if you wish to get good pricing. By comparing you will have choice, good rate and quality policy.
Life insurance has become essential in this world of ours. It’s reliable in securing family financial future and ensuring good standard of living even after retirement. It’s a wise decision.
I believe this article will help you in taking a concrete decision concerning your future.
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