Sentences with phrase «qualify as smokers»
Do not be discouraged to learn taking Chantix will qualify you as a smoker in terms of a life insurance policy.
https://www.bestliferates.org/ Not exact matches
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You may think the cigar or two you smoke at your monthly poker games doesn't qualify you as a regular smoker, but certain insurance carriers would definitely put you in the smoker class for the use.
If you're ranked as «Preferred Smoker,» you likely would have qualified for a Preferred status if not for your smoking habits.
Note that these frequency rules don't mean you'll automatically qualify for the best rates, it just means it's possible — instead of being knocked into the smoker rates automatically, you have a chance to qualify as a non-smoker.
In many cases, cigar smokers will find that the companies have stringent requirements to qualify as a non-smoker when using cigars instead of cigarettes.
So it really is as simple as knowing the underwriting guidelines for each company and seeing what the best price you can qualify for is based on your health, medications, health history, smoker status, build, etc..
Comparable premiums for a female smoker who otherwise qualifies as a preferred risk are $ 1,000 or $ 1,350 for a standard risk.
For example, if you are a smoker you already know that you will be paying twice as much for life insurance coverage due to your habit but if you decided to quit smoking for more than two years after you bought your policy you can qualify for non-smoker rates which can lower your premiums drastically.
Some companies will allow you to test positive for nicotine, as a cigar smoker, and still qualify for a non-tobacco rate.
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.