Best Way to Get Smoker’s Life Insurance
Getting affordable Life Insurance can require some search and research, but it is not as difficult as it might seem at times. There are many online insurers present who can offer Smoker’s insurance at costs that are not very high.
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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The problem is that cigarette smoking is so common verus pipe or even cigar smoking that people just generalize smoking It’s really unfair. Considering that about 400,000 less people die from pipe/cigar smoking. However I guess it is easy to generalize because about 1.3 billion people worldwide smoke cigarettes
Evan
@ElPayasoMalo Yes I can
@PipeFriendCHS Can you still speak it well? Do you have much need to do so? All I know are curse words. Most seem to involve diseases. My band’s manager is from the Netherlands (Tedje Zuidhof), and cannot speak English. He uses his sister as a translater, and she sounds British, because that’s what they taught her in school.
I woudnt mark it on an insurance policy and I wouldnt feel like I was lying. I wouldnt mark it on dating site either, but might include in the description. I sure would like to meet a female pipe smoker!!! Or at least a woman that will let me be a man and smoke my pipe
One thing about pipe smoking and health is proven that pipe smokers live longer than cigarette smokers…1. Because you shouldn’t inhale pipe smoke ( but I have seen it done ) 2. Most pipe smokers are connaisseur of the finer things in life and take time to practice and have patience with the finer things life has to offer.
PIpe tobacco/pipe smoke is not made to be inhaled I guess and it doesn’t give a high. It is all about the aroma and the calming effect
I’m not a big pipe smoker, or cirgarette smoker for that matter, but why don’t you inhale with a pipe? Do you even get a “high ” off it, or is it just for show? It does look far more badass than a cigarette, I give you that.
Thanks.
No inhaling and pipe tobacco has far less bizarre chemical additives than cigs
You mentioned that cigarettes are more harmful than pipes (paraphrasing). Why is this? I’m curious. I assume that part of it is because you aren’t drawing the smoke directly into your lungs, but is there something more to it? I know that cigarettes have filters, but I wouldn’t bet my life on their effectiveness (pun intended). Some pipes can use filters, but you said in some comments that you don’t use them.
If you lie on insurance forms, it might nullify the contract.
OTOH, I do say I don’t smoke in doctor’s questionnaires. Non-pipe smokers don’t know anything, don’t even know one doesn’t inhale. If you explain, they don’t get it.
I don’t do on-line dating, but I wouldn’t want to be, even momentarily, with someone who can’t accept pipe-smoking. Now that smoking has been outlawed in NY bars, I don’t go to bars, either. I love the park in Summer! But its monogamy in Wintertime…Brrrr.
I like that pipe I’m going to try and get 1 the same or similar to it next.
I love that pipe! That is so the one I am getting next.
Chances are, if they say it’s not available, they are just telling you that they don’t have it available to sell to you.
I don’t have a link, but my firm sells it. Any insurance agent that is knowledgeable and knows what they are doing can structure a policy for you and customize it for your needs. Sadly, most agents sell standard policies to people as just “tobacco users” because they make a higher commission on the higher policy fees. In most cases though, it is ignorance on their part, I don’t think it’s malicious, but you never know… If your agent says it’s not available or it doesn’t exist, get a new agent!
thanks a bunch love the pipe also. ^_^
you really like that ardor pipe huh??
last time i had insurance it was pretty much a freebie, it was a cobra plan and they didn’t care what you did as long as you payed them
Dutch is right inbetween English and German. It is far less complex in grammar than German, but probably harder to pronounce since it has all three “r” sounds humanly possible and both “g” sounds that are humanly possible. If you speak Dutch, it is easy to learn the pronunciation of any other languages since Dutch has all the sounds you need. Try this Dutch word: Angstschreeuw!
Fascinating, got a link for us?
There is actually insurance specifically for pipe and tobacco smokers. It isn’t more expensive, like most people think, it just doesn’t cover or limits coverage relating to tobacco related illnesses.
Never lie to the insurance company. If they find out you have lied your coverage will be null and void. Lets face it to people, whether we smoke a pipe, cigar or cigs its still bad for our health and we are taking a risk and please don’t tell me its less of a risk especially the way some folk inhale while smoking a pipe. You are kidding yourselves if you believe that.
Interesting, and as always, non-confrontationally provocative … and it forces one to realize that our lives are peppered with lies of commission (hopefully few) and lies of omission (which is what we’re talking about here). Can one live a life completely free of lies? Perhaps, but you wouldn’t have any friends! Back on topic … I consider pipesmoking a plus – recreationally, erotically and socially. Weed out the antismokers early, I say, by letting them know. -Tom
=D cool, i was just wondering since i understand a bit of dutch.(when i read it) norweigan and danish is even easier to understand for a swedish speaking. But dutch is a bit different. More like german, am i right?