Sentences with phrase «as a smoker»

If you're listed as a smoker on your application, you should expect to get much higher premiums for your insurance plan, regardless of which company that you chose.

If you're listed as a smoker on your life insurance application, you can expect to pay much higher premiums on your insurance coverage.

Being classified as a smoker on your life insurance applications will make your premiums double or even triple in some cases.

Getting the most affordable life insurance as a smoker takes a little bit of homework, but it will be very worth your time.

Additionally, there are many life insurance companies that specialize in high - risk life insurance (such as smokers, cancer survivors, and those with a history of heart disease).

Being categorized as a smoker is going to cause your rates to go through the roof without a doubt.

Of course we will see a reduction in retail tobacco sales over time as smokers who die are not replaced by so many youngsters taking up the habit.

If you're listed as a smoker when you apply for protection, then you should expect to get drastically higher premiums.

Instead of buying a 30 year term policy as a smoker you can purchase an annual renewable policy.

Needless to say, that was my last day as a smoker.

This is because they do not rate chewing tobacco users in the same class as smokers.

Maple is frequently recommended as a smoker wood, but it comes in «hard» and «soft» varieties and numerous species.

And don't think that you can fool one company into thinking you're not a smoker once you've applied for life insurance elsewhere as a smoker.

Finally, as mentioned, some companies will have categories exclusively for those who identify as smokers.

Most life insurance carriers rate the use of tobacco in the previous year as a smoker's classification.

Most life insurance agents will be very upfront about the way in which your status as a smoker will affect your ability to qualify for life insurance.

If available, you may get a refund for the amount equal to the difference between the premiums you already paid as a smoker and those you would have paid had you not smoked.

The policy you get as a smoker is not the same policy you have to keep forever.

For example, you may still be accepted as a smoker but you will see an increase in the price of premiums.

For years he has used his gas grill as a smoker, but, even though the results have been great, the process is rather cumbersome.

Set up your barbecue pit as a smoker using indirect heat and a water pan when possible.

It works great as a smoker, a grill, and a pizza oven.

I didn't want to be known as a smoker.

And, if you were too afraid to get coverage as a smoker, now is an ideal time to get the coverage you need.

Every company looks as smokers differently, and they have different smoker's rating charts.

In fact, as a smoker there is a chance that you'll be declined for coverage before of the size of the plan.

If you have any questions about getting affordable life insurance protection as a smoker through a no medical exam plan, please contact one of our agents.

Due to the added health risks, you'll pay more as a smoker.

Also, with the help of a few medical tests, you can detected as a smoker.

If you have any questions about getting life insurance or about getting the best rates as a smoker, please contact one of our agents today.

If you're listed as a smoker on your application, you're going to pose a much greater risk to the insurance company.

If you're listed as a smoker on your application, you can expect to pay a lot more for your policy.

You'll still end up paying more because you're categorized as a smoker, but your rates could still be very affordable.

This is because they do not rate chewing tobacco users in the same class as smokers.

As is the case with most things in life, when it comes to your status as a smoker, honesty is the best policy.

You'd still be classified as a Smoker even though you're not technically smoking.

>> Second scenario — If I declare as SMOKER, my abual premium will shoot up and in the medical test result the nicotine level comes ver low.

Being labeled as a smoker doesn't mean that your life insurance policy needs to be prohibitively expensive.

So while you will pay a higher life insurance premium as a smoker than a non-smoker will, you'll still pay less for a policy with Banner than just about any other top 10 life insurance companies.

Most people taking Chantix have had a cigarette in the past 12 months, so they would qualify as smokers.

If you apply as a smoker, you can still apply to switch to the lower non-smoker premiums once you've quit smoking for at least 12 months.

then you will be classified as a smoker irrespective of whether you are a frequent smoker or an occasional one.

Occasional, or «social», smokers are defined as smokers who do not smoke every day, or who smoke on average less than one cigarette per day.

Even though tobacco chewing / dipping and smoking cessation techniques and devices are not «smoked» some carriers still classify users as smokers.

Will I be considered as smoker or non-smoker?