Quit Smoking Tobacco In Order To Be Eligible For Life Insurance Coverage!

Tobacco not only damages your life, but it makes life insurance a lot more expensive. Smokers have to pay twice more for a policy and because of the negative effects tobacco has on your health, your eligibility may suffer. FI agencies do not consider you healthy enough; they will not sell you a plan. By quitting smoking you improve your health and save money on no exam life insurance plans!

Smoking and life insurance

senior citizens smoking

Smoking and life insurance do not go hand in hand. Although smoking will not disqualify you from getting coverage, your rates will be increased. Agencies
Smokers are not able to get the best life insurance rates. You will be considered as having a risk potential and the bets rates you can get will be standard, which are twice or even three times more expensive than preferred plus premiums.will consider you a smoker if you have used any “tobacco products” in the last 12 months. Tobacco products include cigarettes, cigars, nicotine patches, chewing tobacco, pipe tobacco etc.

How to quit smoking

There are several ways in which you can quit smoking. No matter how you do it, if you abstain from using tobacco products for at least 12 months, you will be considered a non-smoker and you will receive cheaper life coverage. Here are some popular tips that will help you quit cigarettes:

  • The cold turkey method. This method implies that you quit using tobacco all at once. Although efficient it can be very difficult to give up cigarettes so abruptly.
  • Reducing the number of smoked cigarettes. Smoking fewer cigarettes each day is also an efficient way of giving up smoking. By using this method you will not suffer from the withdrawal symptoms, but you will need strict discipline.

The benefits of quitting cigarettes

By quitting cigarettes, you will improve your health which means that your eligibility increases You will also get cheaper premiums for any type of policy you buy! Quitting cigarettes is a thing you should really consider if you need life coverage!

Make sure you visit our website and find the best life insurance quotes available on the market! We have connections with the best providers in the country!