Tobacco and your Life Insurance Rates

Why do smokers and chewers life insurance rates rise so dramatically? Well the answer is fairly obvious but please read the rest of the article to find out more.

clipped from jimwarren1931.livejournal.com Nicotine and Tobacco Life Insurance If you are looking for smoker life insurance plan or policy don't be discouraged because affordable term life policies are still within your grasp if you know who to talk with. Most life insurance companies will rate up your premiums sometimes by fifty percent if you smoke or are a tobacco user of some sort. Most smoker life insurance company underwriting guidelines want to see that you have not used any form of tobacco for one year in order for you to get Non Tobacco premiums. That would typically be a Standard or Standard Plus Non Tobacco rating. After stopping smoking for two possibly three years you might be able to obtain the Preferred Rate class offered. If you can stick it out for five years of no cigarettes you will be rewarded with the very best rates that is if you qualify medically. Find out more about Chewers Life Insurance policies. Life Insurance for Tobacco users