Not exact matches
Researchers note an 87 % 8 - year survival
rate for those who were
nonsmokers compared with smokers who experienced an 83 % 8 - year survival
rate with a mortality hazard ratio of 2.08 (95 % CI, 1.4 — 3.1; P <.001); however, the effects of smoking were also based
on advancing age and other comorbidities.
For the level term life insurance,
rates are quoted based
on a 10 - year guaranteed level term policy with both preferred best and preferred
nonsmoker health classes with no policy riders included.
** All Illustrated
rates are based
on a 10 - year guaranteed level term policy and include both the preferred best and preferred
nonsmoker health class with no policy riders.
If you smoke marijuana occasionally, admit it
on your application and do not test positive for nicotine — you can still get
nonsmoker rates.
The advantage for policyowners improves further
on policies for $ 1,000,000 or more: Male
nonsmokers and smokers between the ages of 50 - 80 see a drop in
rates ranging from 8 to 14 per cent.
If you smoke a cigar a couple times a year at a wedding or once a month
on a golf course — you can still get
nonsmoker rates!
Everyone pays the same
rates on no - exam policies, regardless of their health or lifestyle, so if you're a
nonsmoker in average or better health, you'll pay too much.