Are you gay?  Are you in the market for life insurance and tired of being turned down for coverage?  You are NOT alone, many of our customers are gay and many if not all of them get great life insurance coverage using our free online quote service. We know which companies are gay friendly and will not butt into your private life.

If you are a chain-smoker, heavy drinker or are extremely overweight, you are likely to find it difficult obtaining a life insurance policy with reasonable premium rates. However, sexual orientation should now have no bearing on the availability to you of insurance products. This positive development is reflected in the recently published guide from the Association of British Insurers (ABI), which was co-produced with Compass, the gay financial advisers.

Despite the fact that, since October 2005 insurance companies have no longer been asking the kind of questions which may lead to disclosure of sexuality (and so the possibility of premium rates being raised because of a potential HIV/AIDS connection), concerns about life insurance expense and prejudice have persisted in the gay community.

Unnecessary fears have resulted in many rejecting life cover altogether – an unadvisable move for anyone with a partner or mortgage. Ever since the first appearance of AIDS in the early 1980s, many gay men applying for life cover have complained of unfair treatment, referring to the question about sexuality (the ‘gay question’) on application forms for life insurance, critical illness cover and income protection.

The ABI guidance has put to an end this practice and that of asking any other intrusive personal questions. The guidance also cleared up the common misconception that simply taking an HIV test will be damaging to applications from gay men. In fact, you are not required to declare negative tests.

On the other hand, insurers can ask all applicants a more general question such as “Within the past five years, have you been exposed to the risk of HIV infection?” This is understandable given that HIV can be contracted not just as a result of unsafe sex, but also through intravenous drug use, blood transfusions, and surgery undertaken in certain parts of the world.

If you have tested positive for HIV, you most disclose this information on your application form. You should also disclose any sexually transmitted disease you may have had, although you are not expected to make judgements on the health implications of such diseases. One-off minor infections are not likely to be of any concern to insurers, but if there is any doubt about long term implications for health (as, for example, would be the case concerning syphilis) your doctor will be contacted, with your consent.

Moreover, insurers can no longer make assumptions about sexuality from details of your living arrangements, occupation or medical history. An individual’s occupation now cannot be used to indicate HIV risk; however, it is legitimate for insurers to ask about your occupation for the purpose of calculating the risk of death or accidents at work.

According to the ABI, there is at present no data on the sexual behavior of couples in a civil partnership. Consequently, some life insurance companies still treat gay couples as single people when assessing HIV risk, while other providers apply the same consideration to those in a civil partnership as they would to a heterosexual married couple.

According to the Office for National Statistics, almost 16,000 gay partnerships have taken place since the Civil Partnership Act of December 2005. And currently, the ABI is working to insure that men registering civil partnerships are treated the same as married couples with regard to HIV risk.

Question by Alex Birnbaum: Can a person with life-threatening health issues (AIDS, etc) get life insurance?
I need to know – is it possible (or common) for people with HIV/AIDS to get life insurance in North America?
If yes – how to go about it and what are the specifics?
If not – why and what options do such people have to provide for their relatives?

Best answer:

Answer by Victory is Mine
Short answer …NO

If you want to provide make some long term investments or investments that be quickly liquefied on your death.

sorry dude

Add your own answer in the comments!

Precisely what is medical insurance
Exactly why you desire an inexpensive medical insurance is to assist you to prepare yourself in case of surprising expensive emergency situations. The only method you are able to achieve this is to make a price comparison from the majority of top insurance agencies and also selecting a medical insurance plan that is best suited for you. During the times, finding an inexpensive medical insurance plan had been merely expensive. However these moments, men and women, little groups, family members and students can pick a medical insurance plan that’s ideal for them, e.g. such as obtaining a guide insurance plan that helps to ensure that anyone being affected by any kind of former medical problem isn’t excluded.

General medical insurance plan is completely an unhindered open market, therefore people who don’t yet possess a medical insurance plan should be thinking about getting a plan. For individuals who are trying to find perfect health care insurance plan, acquiring one is achievable with the support from special providers which focuses on offering medical care insurance for everyone as well as meeting their specifications and also remaining affordable.

Furthermore for you if you don’t want to utilize an agency, then you need to use the internet. One main alternative US citizens obtain medical insurance plan is usually via their particular companies. Numerous companies them obtain medical insurance protection because of their employees for a restricted period hence allowing them obtain medical insurance coverage. The online website offers an alternative to get a more affordable medical insurance. There are numerous firms that offer every type of medical insurance plans, allowing for yourself and your family to possess a certain affordable and inexpensive medical care insurance plan. Discovering what type of popularity the corporation has and exactly how lengthy the corporation has been doing business is a brilliant idea.

Possessing a type of perfect they’ve for you is recommended too ensuring that they’ve been qualified where you live, since it is of no use obtaining an insurance coverage with a form without any certificate and can’t obtain the precise medical insurance you need, a lot of providers can assist work tirelessly for you personally, which means you might have a reasonably priced medical insurance plan that you and your loved ones could deal with no great price. We all want the most effective medical insurance both for ourselves and for our family members, but just the greatest medical care insurance can perform this with low premiums and total protection.

Do you know the benefits of medical insurance?
Obtaining the proper and the ideal medical care insurance is hard. So as not to get baffled, you need to determine which the greatest is as simple as performing your analysis carefully. The starting point to take consists of looking at the qualifications as well as their previous activities of the very corporation you’re looking at. Just like on insurance costumes really does a track records checks of an individual before agreeing to proposals, you need to furthermore evaluate the financial condition such as the client support services of the insurance provider, by so doing; you have the opportunity to learn which medical insurance provider’s right for you. One important method to find ratings of these firms just like A.M best or Moody’s is to use the greater business agency. Numerous companies use the medical insurance plan either to entice or perhaps keep their excellent employers. The medical insurance plan could be an individual scheme or a collection scheme structured and backed by the employers for employers who do the job among 20-29 hours weekly.
Corporations also don’t include expense of edge advantages together with medical insurance, to the cost of their item and services. In the last many years, the price of medical insurance has grown greatly, surpassing the overall price of rising cost of living in many previous years.
The various types of medical health insurance includes person medical health insurance, inexpensive employee health insurance which is also referred to as team medical health insurance, affordable loved ones health insurance, affordable business medical health insurance and so on, your monthly insurance coverage is determined by particular numerous different things. For example, most rates depending on or based on how old you are. So your medical health insurance rates changes appropriately with the kind of wellness policy you’ve. If your medical health insurance is actually for yourselves or your whole family, the procedures should certainly have an impact on any quote you’re young or even sophisticated in grow older, self-employed receiving health insurance companies may adjust your high quality based upon how old you are and this will also impact the cost of your wellbeing insurance.

Do you know the Disadvantages associated with medical health insurance?
Because unforeseen incidences might occur whenever, you will don’t know whenever any sort of accident will probably occur, be it the requirement to end up being accepted within the medical center with regard to stitches or perhaps a damaged bone, you might be within the position to get help rapidly with no be concerned associated with finding a large expenses, unlike when you do not have any adverse health insurance coverage your credit rating ales all of the cost. But you can avoid all of these problems through happening as well as safeguarding your credits for your health financially. Helping the quantity of your health insurance coverage deductions is another manner in which you are able to help to make certain your insurance costs tend to be lowered. This particular greater monthly fees are essential for anyone who has an existing health problem that requires a comprehensive medical treatment obtaining variety of estimates from insurance companies which meets for your health insurance and finances standards, is really a smart decision whenever choice a good medical health insurance. Looking can be done on the internet and this will have preserved serious cash too.

Various persons believe they’re wholesome enough, so that they don’t need health insurance because they have not had any kind of major health care problems but one thing to notice from the possible medical health insurance may be the safety from the possible health condition that could occur in future. It might occur to a person particularly or any member of your family, so why wouldn’t you plan on having an inexpensive medical health insurance strategy today. VISIT Health Plans for more useful information.

Life insurance for diabetics can be very, very expensive if you choose the wrong life insurance company.

Some insurers will charge a much higher premium if you have ever been diagnosed with blood sugar or insulin disorders, regardless of how insignificant a role it plays in your life. Some companies will charge additional premiums even if your diabetes is controlled by diet.

Other life insurance companies increase your premiums based on whether your diabetes is controlled by diet, pills or insulin shots. Those companies charge the most for people that are insulin dependent. Some of these companies will only provide a modified or graded policy, which do not provide a full death benefit until the end of the second or third policy years.

Fortunately, there are a few life insurance companies that accommodate diabetics. The full death benefit begins on the date that you sign the application and few health questions regarding diabetes are asked. One company, in particular, only asks about diabetic complications. They do not ask if you have diabetes or not.

If you have not suffered from insulin shock, diabetic coma or had an amputation as a result of diabetes within the last two years, you can qualify for a low cost, first day full benefit policy with select insurance companies. Your insurance premiums will not be any more expensive than a person that does not have diabetes.

The best way to find a company that offers life insurance for diabetics without extensive health questions, is to use a comparison website that allows you to compare health questions that are asked by various insurers.

http://www.LifeInsurance4All.com/ is a free tool that you can use to find companies that accept diabetics with minimal health questions.

Christy Love is a Platinum Level Expert Author at EzineArticles.com.

Article Source: http://EzineArticles.com/?expert=Christy_Love

Question by chynk: recommendable life insurance company for individuals with diabetes?
I’m looking for a company that provides life insurance for individuals with diabetes. My son is 23 with juvenile diabetes and I’m having a hard time finding a company to insure him because of that.

Best answer:

Answer by dingding
I’ve never heard of one that will insure us. I’ve tried dozens of times. They’ll take the application but then send you supplemental questionnaires and once you check that “insulin-dependent” box, you’re out. Sorry. Maybe he can get on with a decent-sized company that at least offers a token $ 10K policy.

Know better? Leave your own answer in the comments!

Death is something that can be uncomfortable for people to discuss.  No matter how old a person is, they may not want to consider their demise.  The fact is that everyone passes away and it is important that those who survive the deceased are not left in the lurch because of an untimely death.  One way to make sure that the costs of a burial are covered is by having burial insurance.

The following are some of the benefits of burial insurance:

Non Age Restricted – Before you think that you do not need burial insurance because you are young, consider the fact that accidents and illness happen and at any time death can occur.  It is better to be covered for the “just in case” rather than waiting for an illness to hit you and then you find that you are uninsurable.  Anyone of any age can be approved for this insurance and it means that your final wishes are carried out.
Low Cost – Because this insurance only covers the cost of burial and nothing more, it is more cost effective than a full and whole life insurance policy would cost.  Those who are elderly may pay a few dollars more a month, but coverage is still guaranteed.  The small monthly premiums do not break the bank or take money that cannot be afforded.
Does Not Affect Other Policies – Many wonder why they would need burial insurance if there is a solid life insurance policy in place.  One reason for this is because it is just added coverage.  The life insurance payout can be used for other issues such as paying off a mortgage or making sure children or grandchildren have the funds for college.  If the burial is paid for with a separate insurance, there is no need to tap the life insurance for these funds.

Burial insurance can be used as a standalone policy or it can be set up as an addition to a whole life insurance policy.  Those who do not carry life insurance should make sure that they have burial insurance in order to help their families mitigate the costs of a death.  There are no age restrictions and this type of policy can be purchased even if a person is in perfect health.  It is important to take care of surviving family members and having a solid burial insurance policy in place is a great way to do this.

www.bestburialinsurancepolicies.com Burial insurance can cover funeral expenses for someone once they’re gone so as not to burden their loved ones or society. Surprisingly, burial insurance can can be very affordable. You can even get burial life insurance with no medical exam to cover your burial costs.

Question by T D: What is the best life and burial insurance companies?
I am looking to buy life and burial insurance for my family. So many companies are out there not sure what are the best companies and not scams.

I would like to buy a policy that covers burial expenses and one that offers life insurance

Best answer:

Answer by Mr. Q
Basically most companies offer all types of insurance, but look into AAA or AARP, first.

Know better? Leave your own answer in the comments!

So you are in the market for Texas life insurance quotes?  We offer HUGE discounts to our customers, so try our quote form today and see how much we can save you.

Our life insurance needs vary according to our personal situations and most of the times, those of us who don’t have any dependents rarely make a life insurance policy. If your salary represents a significant part of your family’s total income life insurance is essential because you should ensure that your financial obligations are covered in case you die. When choosing a life insurance, the Internet is a great way to educate yourselves about life insurance basics and to find a broker you trust.

If you are looking for the least expensive type of insurance, you should know that this is the one from your employer’s group life insurance plan. This policy will have the lowest Texas Life Insurance Quote and you will have coverage as long as you work for that employer. There are also some policies that can be converted upon termination. The Texas Life Insurance Quote varies greatly depending on how much you buy, the type of policy you opt for, how much commission your company pays the agent and others.

Texas Life Insurance Quote is based on certain tables which project your life expectancy. Thus, high risk persons such as those who smoke, are overweight or have dangerous occupations will pay a higher quote. Nowadays, there are many hidden costs in the Texas Life Insurance Quote and several types of life insurances and this is why we advise you to a fee-only insurance advisor who will research different policies and recommend the one that are best to you. For objectivity purposes, it is best to choose one which is not affiliated with a particular insurance company.

Term life insurance is a life insurance that provides coverage for a limited period of time and after the established period the insured can drop the policy or pay increasing premiums in order to continue the coverage. Instant Term Life Insurance Quote will tell you exactly how much you will have to pay on a monthly basis for a term life insurance. Thus, you know what to expect and you can see from the very beginning if you can afford to pay the estimated quote.

When you are comparing Instant Term Life Insurance Quote, make sure the coverage and the policies are similar and keep in mind that your policy is as good as the company which offers it. Reputable companies evaluate the financial condition and the claims-paying ability of the applicant, providing you the necessary advice regarding your Instant Term Life Insurance Quote. Once you are ready and suitable to purchase a life insurance policy, you will be required to fill in a form which contains questions about your lifestyle and health history. Most of the times, you will also be asked to take a medical exam which will be paid by the insurance company.

Instant Term Life Insurance Quote should be reasonable so that it can be afforded by the insurer and it doesn’t affect his life style too much. An instant quote is exactly what you need in order to choose a certain life insurance policy and to afford paying it. The most frequent length of a term life insurance policy is somewhere between 20 and 30 years, because it offers insurers a long protection period.

AIL-GREER.com -American Income Life Insurance Company – State General Agent from Houston, TX. With Steve Greer, success runs in the family. After five years in the corporate world, Mr. Greer came to American Income Life Insurance Company eager to achieve the same success as his cousin. Now, nine years later, five of his family members enjoy Opportunity Unlimited at American Income Life Insurance Company. “If five people from the same family coming to work for a company doesn’t show a great opportunity, then I don’t know what does,” Mr. Greer says. American Income Life Insurance Company gives you the support system you need while allowing you the freedom to be successful. “I found the chance to be in business for myself, but not by myself,” Mr. Greer says.

Although many of us don’t like to think about death or dying, some day we must face these difficult circumstances.  So that leaves us with two choices:

We All Have Two Choices Before We Die:

1.  Do nothing
2.  Plan in advance to ease the burden of our loved ones

Just as the name implies, the main purpose of burial insurance is to cover the funeral costs, final expenses, as well as pay off specific obligations or debts.  Other terms that are commonly used to describe burial insurance are funeral insurance, final expense insurance, preneed insurance, and end of life plan insurance.

Burial insurance is generally associated with a permanent type of insurance policy (versus term insurance), and the most common permanent policy used is called whole life insurance. Most whole life policies which are purchased to cover funeral expenses range from ,000 to ,000.

As you may be aware, funeral costs can be extremely challenging.  Some of the most common final expenses would include the casket, cost of cremation, cost of embalming, a headstone, body and /or funeral transportation, the cost of the plot, the visitation, and much more.

Recently AARP estimated the average cost of a funeral today to be approximately ,000, which is certainly not inexpensive, nor is this something that should be overlooked or ignored.

Although burial insurance is very similar to life insurance, the most common strategy is to  own both types of insurance policies.  This way the funeral expenses can be separated from the life insurance proceeds, making your last wishes much more straightforward as to how you wanted the life insurance proceeds to help fund or replace.

Key Details to Review and Consider

Even though the policy is called burial insurance, you are in no way forced to allocate the benefit to only the funeral. Since there are usually no restrictions, you can designate the proceeds to be used for other things, such as house payments, debt reduction, estate or income taxes, and more.  This means that burial insurance creates multiple opportunities for you to ease the pain of your loved ones lives during an otherwise difficult time.

Also, the proceeds of a burial insurance policy are a fixed and guaranteed amount.  Since these monies remain constant throughout the life of the policy, you always know exactly how much is going to be there in your loved ones time of need. So once you pay the insurance company your premium, there’s no need to worry from then on because both the premium price or cost and the amount to expect are fixed for the life of the policy.

Another excellent feature is that the policy is guaranteed and can only be canceled if you fail to pay the required premiums payments, or if the policy was purchased in a fraudulent way.

An Easy-to-Understand Summary of Burial Insurance

Overall, most financial professionals would agree that burial insurance is an excellent addition to an comprehensive financial plan.  This insurance is also a great strategy to protect your loved ones against many of the unnecessary financial and/or emotional loss during one of the most difficult times in their lives.

Although the concept is very similar to life insurance, burial insurance is actually much more specific.  As the name implies, the intention of these monies are designed to specifically cover the costs of your end of life plan.  However, as I mentioned earlier, burial insurance proceeds can also be allocated for other purposes if you prefer.

In most cases, burial insurance is a valuable addition to your financial and family planning, which is why more than 65% of people who decided to preplan a funeral also choose to purchase some form of burial insurance.

Arguably the best feature is that this will end up being one of your families last memories of you.  So not only does this insurance serve as financial protection, but it is also an excellent way to be remembered by your family and loved ones.  The reason why is because they know that you cared about them enough to selflessly take the time to plan for these funeral expenses in advance.  This gift of love provides them the ability to focus on what you would have wanted, which is celebrating your memories and life’s story.

Please visit our website to learn more, as well as click on the “contact us” link at the bottom to speak with someone individually and we can recommend some credible help or quotes.

www.quotesfortermlife.com Final Expense or Burial Insurance is designed to cover any outstanding debts or obligations of an estate. Beneficiaries are issued a check to cover all of the necessary expenses when the insured dies. Also, these types of policies are simplified issue whole life policies -which means that there is a short application and no medical exam requirements-. Typically the highest amount of coverage a person can receive is 000 of whole life insurance; the premiums never increase and the policy builds cash value. This is valuable to some people because as their needs change over the years the funds can be accessed or redirected as one would see fit.
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Burial insurance obviously covers burial and related funeral costs, but there are several things that burial insurance can cover that you might never expect. Burial insurance benefits can include details of funerals and they can include wider details like money for survivors. It is a form of life insurance and usually covers expenses specific to burial and funeral. Policies can be custom built to include all kinds of things. Burial insurance can become a full fledged life insurance policy for those who wish it to include those types of things. Things like funeral plans can also be a part of burial insurance.

There are two very important factors after death to consider: making plans for a funeral and all end of life issues, and how to pay for all these things. Burial insurance can help to plan for both of these factors. Burial insurance can help policy holders think through and select all the plans for their death. They can decide upon embalming or cremation, which casket or urn they want, and select a cemetery plot or final resting place. But beyond that burial insurance benefits can include things that many people do not think of like flowers, hearse costs, transportation for family during the funeral, airfare for family members to come into town for the funeral, and even accommodations.

Since burial insurance is a form of life insurance, it can also include things that regular life insurance policies include. Money can be given to beneficiaries for day to day living expenses, college education of survivors, inheritance money, etc. Online life insurance sites often have expense calculators that can help you to figure out just how much you want that policy to be for so that all expenses and other burial insurance benefits will be covered.
Burial insurance can help your loved ones to know what your wishes are for your funeral. It can never replace a will, but burial insurance benefits include the ability to designate what the money will be used for.

Sometimes you can ever make arrangements ahead of time for the items you want and then they will be ready for you when the time comes. You can pick out your casket, urn, and cemetery plot, plan your funeral, pick your funeral home, and select cremation or embalming. This will take a great burden off your family and your desires will be honored.

Sometimes it can be a little difficult for smokers to obtain insurance. However, there are certain different kinds of options available for smokers. The kinds of policies that can be obtained actually differ and depend on the basis of the type and quantity of tobacco that someone consumes.

So, the situation in which one smoker falls may be different from the other smoker’s situation. There are also insurance policies to cater for those smokers who do smoking only socially and not on a regular basis.

Everyone who smokes is not entitled to being categorised in the same group of smokers. This is because smokers are of different kinds, and it depends on their frequency of smoking and also on the kind of smoking that they do. Hence, it is the insurance provider who can properly and distinctly define if someone is a smoker or not, and furthermore, what kind of insurance someone is entitled to.

The kind of Smoker’s insurance that you are able to obtain also depends on the insurer from whom you are getting the insurance. Although insurance is always relatively cheaper if you get it after you have given up smoking. However, it may happen sometimes that even if someone has quit smoking, an insurer might categorize the person as a smoker.

On the other hand, there are some insurers who consider your present smoking habits before selling the insurance. So, if you want to get the best deal for Smoker’s insurance, it is better to deal with an insurer who considers your smoking and non-smoking habits on the basis of the dates on which the application has been made instead of considering any history of smoking for determining the present smoking or non-smoking habits.

As mentioned before, different insurers sell the Smoker’s insurance and work in a different way from the other insurers, and it is the difference in their policies that might make all the difference to you. A very good way of looking for good deals for Smoker’s Life insurance is to look at the different insurers and apply online for their quotes just to see what they’re offering so that you can compare the different policies and offerings of the different insurers.

Looking for Smoker’s Life Insurance online does not only let you have many different choices and make easy and open comparison among them, but there is also the fact that getting online quotes and comparisons is easier and is also more discreet. Also, as there is no face to face involved with the insurer, some smokers also find it less awkward for finding an insurance policy for them. The people who give up smoking and then apply for Life insurance can usually get it at relatively cheaper rates than the ones who apply for Smokers’ Insurance policy.

Online dating/Insurance: Do you lie about being a pipe smoker?
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More Smoker Insurance Articles

Vegetarians are set to benefit from reduced life insurance premiums. Recent surveys into the death rates reveal that vegetarians are less likely to suffer major illnesses than people that eat meat.
As a result Animal friends Insurance have offered a 6% discount on their life insurance cover for veggies. The company is a not-for-profit enterprise. The managing director Elaine Fairfax was quick to demonstrate the sense in the company’s decision to offer reduced rates for vegetarians (which includes fish eaters). She stated that, “The risk of vegetarians suffering from some cancers is reduced by up to 40%” She also stated that the risk of vegetarians suffering from heart disease is reduced by up to 30% compared to their meat eating counterparts. The reduction in policy premium costs is said to reflect these statistics.
Non-smokers
Insurance premiums are generally determined with three main categories in mind. These are the three main variables from a mortality table: age, gender and use of tobacco. Non-smokers are considered to be a much safer bet for Insurance companies than smokers. As a result policies have always been cheaper for non-smokers and conversely more expensive for smokers.
This has been generally accepted as a fair way of determining prices and as a result has become widely accepted by the customers. Many people have been keen to see these benefits for healthier people to be extended to benefit those that adhere to a healthy diet and active lifestyle.
Healthy lifestyle
Many people have pressed for insurance providers to consider a variety of external factors when calculating the cost of a life insurance policy. It is well known that smokers are more susceptible to life threatening illnesses and the premium costs are reflected accordingly.
It is also widely accepted that people that exercise regularly and those that maintain a healthy diet are significantly less likely to suffer from serious illness. However at present policy providers do not take this into account when calculating the cost of a life insurance policy premium.
Critics have noted that if insurance providers were to start calculating there premium costs based on diet and activity they would have to penalize the unhealthy policy holders by raising the cost of their premiums. To provide bespoke insurance a company would need to make profits elsewhere and will need to balance good offers to the healthy against less attractive offers to the unhealthy.
It might also make it difficult for insurers to measure a policy holder’s lifestyle and companies say that if they were to monitor their policy holders it would cost a great deal and raise the cost of life insurance.

Related Smoker Insurance Articles

Question by jamie m: Can I state I am a non smoker to insurance company?
I am applying for mortgage insurance, I only quit smoking 2 months ago & have no plans of smoking cigarettes ever again. Can I state that I am a non smoker, and if I do- and they test me can they tell that I only recently quit and therefor charge me a higher premium?
Thanks

Best answer:

Answer by Tammy
they sure can and then maybe re test later to see if no tobacco in system and then lower rates–ask your agent!!!

Know better? Leave your own answer in the comments!

Even if you have a good physique and health, smoking or using nicotine regularly will automatically push your rates higher compared to customers from the same risk group but without a history of nicotine use.

Are you a smoker?

Insurance providers tend to get very sensitive when it comes to tobacco use among applicants. In most cases the application form will feature a question about tobacco use in the past twelve months. This includes cigarettes, cigars, chewing and sniffing tobacco. And if the answer is positive you will be required to indicate the frequency at which you’re using tobacco products.

It doesn’t matter if you smoke a couple cigarettes or a whole pack in a single day – you’re still a smoker and it’s in your own interest t answer the question honestly. But wait, it gets worse! Even if you are an occasional smoker with only one smoke with a bottle of beer once a month or two, you are still considered a smoker and your rates will be as high as for regular smokers. Most insurance tend to see such behavior as risky for health and charge respective rates. The only situation where you can get a little brake from such strict regulations is smoking a single cigarette once in 3-4 months during the year. So if you’re smoking cigars on very rare occasions just in order to celebrate something then you can rest easily regarding life insurance.

Tell the truth

In most cases when signing a life insurance policy you will be required to go through a medical check. Taking the fact that nicotine takes about 72 hours to exit the body completely the exam will show how honest you were when answering the questions in the application form. Of course, you may get ready for the exam and last without even a single smoke in three days before the check. However, the insurance provider is usually expecting a completely negative result if you’ve indicated that you’re a non smoker, and if there will be a slight trace of nicotine in your urine (and that’s possible), the insurer will automatically raise your premiums or reject your application altogether.

The consequences?

If you’re a smoker having indicated to not use tobacco in the application form and the insurance didn’t notice the fact, the things don’t stop here. In case of your death the insurance provider will run an investigation on the cause of death and if they find out that you were a smoker they can cancel the policy without paying out the death benefit to your family. And let’s agree, this isn’t exactly what you’ve purchased life insurance for, right? So it’s really important to tell the truth when you’re applying in order to make sure that you aren’t wasting your money in vain.

Question by john D: Smoker Insurance ?
What is the average health insurance policy for a smoker compared to a nonsmoker?
I need an actual figure

Best answer:

Answer by question
Hopefully a lot cheaper! It would make me mad if I was paying as much as or more than a smoker.

Give your answer to this question below!