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Cheap Smokers Life Insurance Quotes

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It's often hard for smokers to get great life insurance because of the inherent risk of smoking. However, there are options. Even if you smoke cigarettes, cigars, or a pipe or chew tobacco, you could still be eligible for great rates for life insurance for smokers. Insurance rates are based on types of tobacco products consumed. They're also based on how long it has been since you quit smoking. It's even possible to get non-smoker rates if you are a social cigarette smoker, pipe smoker, cigar smoker or if you chew tobacco. We have assembled some of the finest and cheapest sources on Life Insurance for Smokers and Tobacco Users. The process is very simple - answer just a few questions and get instant Smokers Life Insurance, Smokers Term Life Insurance, Cheap Smokers Life Insurance and Tobacco Users Term Life Insurance Quotes from several leading and reputed insurance companies!

Be Transparent about Smoking From Life Insurance Companies? What if you lied about your smoking habit on your life insurance application? And what happens if the insurance company finds out? How much do you have to smoke to even be considered a smoker? The answers might surprise you. Life insurance companies like their policyholders to be in good health. You're rewarded with lower premiums if you're super-healthy and haven't smoked in five years because that reduces your chances of dying soon. Being just "normally healthy" requires that you haven't used nicotine in the past three years and still gets you lower premiums. A standard rate requires that you have not used nicotine within the past year.

Who is Considered a Smoker?In the life insurance world, you're considered a smoker if you answer "yes" to the smoking question on your insurance application. If you're asked if you've used tobacco products, including cigarettes, cigars, and chewing tobacco, within the past three years — and you have — your answer should be yes (likewise for questions going back two years and one year). If you enjoy a good cigar from time to time or smoke just two cigarettes year, you are a smoker by insurance standards, even though the nicotine traces won't show up in your required urine test. How should the occasional smoker answer that question? You should probably let your conscience be your guide. Since smokers pay nearly three times the premium of nonsmokers, it's easy to see what motivates some people to lie on their policy applications.

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You Can Sneak Through: With rates as competitive as they are, life insurance companies try to find out as much as possible about your health. Understandably, a nonsmoker's application is likely to be examined a bit closer than a smoker's, especially the results of the urine sample. However, it is possible for the nicotine level in a smoker's urine to be low enough to escape detection. In fact, according to a 1988 surgeon general's report, your body metabolizes, or breaks down, nicotine within 72 hours. The Centers for Disease Control and Prevention's Office on Smoking says that there's such a small amount of cotinine present in your body after three days that it's either not detectable or attributed to second-hand smoke. Cotinine is a primary metabolite of nicotine and is the most common identifier for nicotine levels in the urine. Therefore, even heavy smokers who can abstain for three days could theoretically lie about their smoking and go undetected.
Is It Worth It?So, if you "pass" your urine analysis, where do you go from there? It goes without saying (but we'll say it anyway) that you should not lie on your insurance application. The application you sign becomes part of your policy (you'll find it attached somewhere near the back), and the policy is a legal contract between you and the insurance company.
Consequences: Let's continue the scenario: Your urine sample doesn't show enough nicotine to prove you're a smoker, so your life insurance policy is issued at a preferred and/or nonsmoker rate. Then, the unthinkable happens: You die. Most life insurance policies carry a two-year "incontestable clause" that allows the insurance company to challenge a death claim. If you die within the first two years as a result of, say, a car accident, and it comes out that you were, in fact, a smoker, your insurer would have the right to "rescind" the policy or simply deny the claim. (Source: http://insurance.yahoo.com/lh/smoking.in.html)

Life Insurance Update

Q&A: Make life insurance a premium consideration - Lexington Herald-Leader
available online at http://www.insure.com/best-life-insurance-companies. You want to shop around because different insurers vary on how they evaluate different risk factors, such as being a scuba diver or occasional cigar smoker. So, premiums vary.
Viewpoints: ACOs Might Replace Health Insurers; Losing A Job While Pregnant; Barring Smokers From The Workplace - Kaiser Health News
On Jan. 20 ? three days before the annual March for Life ? the ... to pay for health insurance that covers sterilization, contraceptives and abortifacients (Michael Gerson, 1/30). USA Today: Editorial: Not Hiring Smokers Crosses Privacy ...
Dead keen for a smoke: puffing on with lung and colorectal cancer - theconversation.edu.au
smokers lose 16 years of life. Asked if smokers had a death wish, Professor Farrell said that they were ?more likely to think that they?re not going to incur the negative consequences of their behaviour. That?s where cognitive dissonance comes in ...
Put those out: Oklahoma Gov. Fallin bans tobacco use on all state property - Tulsa World
"Healthy living is important, not just because we want Oklahomans to live full and happy lives, but because the effects of unhealthy life choices hurt our economy ... if those costs are not covered by insurance. A former addiction specialist ...
Yes, you can quit smoking - as a group - The Vancouver Sun
But most smokers need some sort of assistance to quit, Potter says. Trying to extend its reach to helping those still lighting up, the Lung Association started "Smart Steps . . . towards a smoke-free life," a three-session, how-to program specifically ...
For smoking, as in life, will power actually matters - New York Post
"The latest results are in line with other studies that have found little ? if any ? benefit from the products when used by smokers in real life. In some cases ... since many health insurance plans pay for smoking cessation. Why don't those say ...
Companies examining health care incentives to cut costs - Pittsburgh Post-Gazette
And it's not just health insurers -- life insurance carriers offer better rates to non-smokers, and the same is sometimes true of property insurers (on the theory that you are less likely to burn down your house if you don't smoke cigarettes). But the fact ...
Hospital offers free screening Jan. 28 to detect lung problems - Cuyahoga Falls News-Press
While the screening is not presently covered by many insurance providers, Summa Western Reserve Hospital, in launching its Lung Health Program, will offer free lung screenings during its Lungs for Life event on Jan. 28 for smokers and those who've been ...