Why Tobacco Users Have To Be Covered By Insurance
Life assurance such as ageas life insurance is a smart way to assure the financial safety of your spouse and children, should something happen to you. And for smokers, they pay a higher price since they are more compromised health-wise. Take notice that insurance companies put infrequent smokers and heavy smokers in the same boat. As long as you do the puffing deed, you're in for an expensive insurance journey.
As long as you have enjoyed cigarette smoking regardless of how small the quantity, you're an identified smoker. Say, you gnaw tobacco or enjoy nicotine patches; you'll still belong to the group. Generally, even one single puff in a 12-month period will cost you more, for your assurance rates.
If you lose a lot of money by just paying for pipes, how much more when you suffer the effects they can offer? On top of those health hazards, you've still got higher cost of life cover you have to worry about. But there could be ways to reduce the life insurance budget. Below are a few tips to getting affordable quotes.
Give Up Smoking - Yes, it is a tall order, but that's what it takes to reduce life insurance quotes. Begin gathering those guts, simply because being smoke-free for about 12 months will eliminate you from the smoker lineup, hence less quotes. The life insurance quote of a non-smoker is in fact lvery much Lower than what smokers pay. All it requires is a sacrifice that's really worth all the effort.
Try to keep from Applying Right after Quitting - If you have been smoke-free for 3 years now, by then the assurance provider will not recognize you as a financial liability any longer. You may be allowed to avail of a regular life assurance coverage. We are considering a 5-year healing period of the lung tissue seriously affected by smoking. So for your physical and financial interests, it is with great reassurance that you sign-up for a regular policy by then. This will also help disprove the "once a smoker always a smoker" saying that most insurance companies believe in.
Be Resourceful - For those hard-core smokers who simply can't seem to give it up, their only option is to search hard for cheap life insurance quotes. You may choose to compare quotes from assurance companies within your area. Or browse the web for legit assurance providers such as ageas life insurance. You might even get the personalized computation of your quotes made available online by various companies. You may search through the company sites to find rates that are valued to your liking.
Smoking can adversely affect both you and your family members. Find it within yourself to resist the addiction in the interest of your loved ones and their future. Nonetheless, if you choose to keep smoking, select a life insurance plan that offers the most affordable pay rate possible like ageas life.
