Friday, August 25, 2006
If you are a smoker, you may think that you can not get quality term life insurance coverage. In the highly competitive insurance marketplace, companies are launching to comprehend that smokers are a large market segment who is keen to pay elevated premiums for term life insurance coverage. The fact that you smoke can be determined by a urine test that measures the levels of nicotine. Based upon on the level, you might be classified as a light, moderate or heavy smoker and it will be charged accordingly.
Smoking cigars and pipes and chewing tobacco do not rule you out, either. In fact, you may be classified differently, in a more optimistic way as a preferred smoker rather than a standard one, especially if you are in good health. Really if you need quality coverage, be sure to tell the truth on your application. Your insurance company may have a sliding scale that reduces premiums according to the amount of time you have been smoke-free. You should be satisfied with better health, longer life and lower term life insurance premiums.
posted by renaa
@ 8:58 PM
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