Sentences with phrase «classified as a smoker»

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

For example, if your super fund has classified you as a smoker or blue collar worker, and these risk characterisics aren't relevant to you, you could be paying more for your insurance than you need to.

If you've purchased a policy in the past 10 years and were classified as a smoker due to infrequent cigarette use, please call us right now.

Assuming you have been classified as a smoker, your life insurance premiums could be twice those of a non-smoker, or more.

This means a life insurance carrier will consider Chantix to be like other nicotine products, and you'll be classified as a smoker.

Because of the research around tobacco products showing their effect on mortality rates, being classified as a smoker can raise your rates to anywhere between two and four times more expensive than a comparable non-smoker.

If you test positive for nicotine at all, you'll probably be classified as a smoker, even if it comes from the patch or another smoking cessation product.

Second, go ahead and take the exam, after which you'll likely be classified as a smoker.

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

Quit Smoking Incentive Plan — if the insured person is classified as a Smoker, and is at least 16 years old on the certificate issue date, we will charge Non-Smoker premiums for the first two certificate years.

However, because there is nicotine in these products, some life insurance companies will still classify you as a smoker even if you don't actually smoke anything.

If your answer to any of the above questions is yes, you will be classified as a smoker.

Sometimes smoking cessation techniques and devices, such as nicotine gum, the patch, or electronic cigarettes, can lead companies to classify you as a smoker.

If you have been smoking in the last few months, be it frequently or occasionally, then you can be classified as a smoker.

Not exact matches

If nicotine is detected in your medical exam, most life insurance companies will classify you as a tobacco user and offer you smoker rates.

Most companies will classify a Pot smoker as a non-smoker as long as he does not also use tobacco.

Some companies treat it casually; some give it the requisite weight, while others classify it in the same category as that of regular tobacco smokers.

For example, while every company classifies a regular cigarette smoker as a «tobacco user,» some companies may make exceptions for people who only smoke the occasional cigar or two and offer nonsmoker prices, which will often cut your price nearly in half.

According to the rule, a person who has been chewing tobacco in the last 12 months prior to the application for life insurance is often classified in the same risk class as tobacco smokers.

Say you'd normally be classified as Preferred; if you smoke, you'd be classified as Preferred Smoker as the insurer's way of saying that although you otherwise fit the Preferred risk profile, there's a likelihood that health issues will arise thanks to your habit.

Ever since the invention of E-Cigarettes, the life insurance industry has classified E-Cigarette Smokers as tobacco smokers straight across theSmokers as tobacco smokers straight across thesmokers straight across the board.

When you think of all of the secondary diseases caused by smoking — such as cancer, heart disease, lung disease, and strokes — it makes sense to classify a smoker's life insurance as high risk, and to charge higher premiums based on this classification.

If nicotine is detected in your medical exam, most life insurance companies will classify you as a tobacco user and offer you smoker rates.

Hi, Do you have access or links to the research that Prudential and Lincoln Financial used to decide to classify pipe smokers as non-smokers?

However, cigar smokers who light up 3 or 4 times a year often get a break and are classified as non-smokers.

Insurers use very specific guidelines and questions to classify consumers as smokers, and they aren't always intuitive or logical.

Smokers who are young, in good health, and pose little risk to the life insurance company can still be classified as «Preferred Plus» or «Preferred», but will be charged a higher premium.

The insurance company will have a time period requirement that will establish at what point a former smoker can be classified as a non-smoker.

Adolescents who reported smoking daily at any one wave were classified as daily smokers during adolescence.

The participants who reported that they smoked currently were classified as current cigarette smokers.