Why Tobacco Users Have To Be Insured
by Tony Castillo
It is human nature that we seek to guard our family members from any financial challenges particularly when we we're gone, that's why there is life cover. However, if you are among those smokers who are easy targets of mortality, prepare to be charged more. Insurance firms treat any smoker fairly, doesn't matter if you're heavy or occasional. Cigarette smokers being financial liabilities, insurance firms make sure that there's no exception.
As long as you have enjoyed nicotine no matter how small the level, you're an uncovered smoker. Say, you gnaw tobacco or enjoy nicotine patches; you will still belong to the group. And that means you simply have to face the fact that you will be paying more assurance premiums if you're doing the deed regardless of how small it is.
Cash spent on cigarettes is matchless to the amount you'll be paying once you become ill. On top of those health hazards, you've still got higher cost of life insurance coverage you have to worry about. But that doesn't end there, cheap life assurance quotes may still be around. Tips about how to achieve budget-friendly quotes are discussed below.
Break the habit - It is indeed a tall order, but that's what must be done to lower life insurance quotes. Quit smoking for one year, and you're good to go in your life cover quote; forget about additional charges. The life cover quote of a non-smoker is in fact not up to what smokers pay. All it takes is a sacrifice that is worth all the effort.
<a href="http://criticalillnesscover.webstarts.com/">Life assurance policy</a> quotes - Avoid Applying Immediately after Quitting - If you have been smoke-free for 3 years now, at that time the assurance company won't recognize you as a financial liability any longer. You may be allowed to avail of a regular life assurance plan. We're considering a 5-year healing period of the lung tissue vastly affected by smoking. Therefore, it may be ideal for your physical and financial interests that you enrol in a policy then. This can also help disprove the "once a smoker always a smoker" saying that most assurance providers believe in.
Broaden your Life Insurance Search - Die-hard smokers who choose to continue smoking have zero other option but to consider shopping around for cheap life assurance for smokers. You can visit trusted insurance agencies in your area and compare quotes. You can also find a lot of options on the web, you need to be careful with all scams you might get across. Some agencies allow individuals to compute their personalized quotes on the internet. Company sites are everywhere, you just need to select the right ones.
Smoking can kill both you and your families. While it might be hard to quit, your loved ones and their total well being will benefit greatly from your willpower to carry such out. But if all else does not work out, affordable life assurance plans are what you should go for, starting now.
At last, you must check our excellent free report on <a href="http://oscar79brown.webstarts.com/">life insurance plan</a>, this post is on how to find a excellent life insurance in your area.
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New Unique Article!
Title: Why Tobacco Users Have To Be Insured
Author: Tony Castillo
Email: hlim@leadcamp.com
Keywords: smokers life assurance,smokers illness life cover,smokers life assurance quote,serious smokers life cover quotes,life assurance,smokers insurance
Word Count: 503
Category: Hobbies
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