Sentences with phrase «rates as a smoker»

We know which companies are going to give you the best insurance rates as a smoker.

Take 4 minutes to read this article and you're well on your way to securing the cheapest life insurance rates as a smoker.

What you didn't know is that company A will rate you as a smoker while company B will give you standard non-smoker rates.

The key in finding the best term life insurance rates as a smoker is using an independent life insurance agency who has access to all the top life insurance carriers on the market.

Rates as a smoker on life insurance coverage will see an increase in these rates.

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.

Not exact matches

All these states rank as the areas with the highest smoking rates, in a look at the Gallup - Healthways Well - Being Index on smokers that was released in March 2014:

In one lung cancer study, the most telling observation was that for those getting screened regularly, the rate of cancer detection was almost the same in smokers as it was in nonsmokers — even though we know that smokers face about a 20-fold increased risk of dying from lung cancer.

For instance, we can give smokers different concoctions containing cruciferous vegetables and measure changes in their rate of excretion of toxins from cigarette smoke (as opposed to the harmful metabolism of them within the body).

Those people in the Healthy Food group were less likely to be smokers and more likely to be physically active as well, which added to their lower mortality rates.

And as taxpayers, we have to pay for a smoker's personal freedom — astronomical cancer rates, the filth of cigarettes butts so carelessly tossed about, and fires caused by cigarettes.

CALL Ben or Text RATES AS LOW AS 2.49 FOR WELL QUALIFIED BUYERSNON - Smoker CLEAN TITLE Guaranteed CARFAX Certified on all Cars FREE CARFAX AVAILABLE on all Cars Qualifies for EXTENDED WARRANTYMonday - Saturday 8:30 am - 7:30 pm Sunday 10:00 AM - 6:00 PMFOR FAST APPROVALS CLICK THE FINANCING TABTRADE - INS WELCOMEASK ABOUT OUR FRESH START FINANCING PROGRAM - GOOD / BAD / NO CREDIT - NO PROBLEM!

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

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

1) that the rate of mutations increase in mice exposed to SHS and 2) that the spectra of mutations in the SHS exposed mice is the same as in non - smoker humans with lung cancer.

And, if you are a current smoker while quitting won't lower your rate right away, in the future, you could re-apply as a non-smoker and potentially lower your premium by quite a bit.

Getting non smoker rates will save you a significant amount of money on a term life insurance policy, as rates for smokers can be 2 - 4 times what non-smokers pay.

However, their non smoker plus rates won't be as affordable as preferred with other competitive life insurance companies.

In fact, if you find a smoker rate at another company that appears to beat us, please leave a comment with the company name, and we'll be sure to add that company to our quote form, as we are committed to offering the best life insurance for smokers.

A captive agent will be stuck with their ONE company, even if they rate the client as a smoker.

If you're listed as a smoker on your application, you can expect to pay much higher rates for your insurance plan.

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

There are many great advantages when you apply with Prudential such as very competitive rates for smokers, having a hazardous sport, height and weight issues and health problems.

There are other classes of smoker as well, these presented are the lowest potential rates.

Even if you do only smoke a few cigarettes a day you will be classed as a smoker and you will usually be asked whether you have used any tobacco products in the previous twelve months, although if you only smoke the occasional pipe, cigar or cigarette on special occasions this will be taken into account and you may even be able to find a life insurance provider who is actually prepared to give you non-smoker rates.

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

Being listed as a smoker on your insurance application is going to cause your rates to skyrocket.

A life insurance company can offer a specific smokeless tobacco user category, which will have considerably lower premium rates as compared to the rates charged for regular smokers.

If you've ever been given expensive life insurance rates as a cigar smoker, then don't worry.

If you did use tobacco for more than ten years, or you have high risk health conditions, such as heart disease, lung disease, or are obese, you will likely receive a Standard Smoker rating.

Being listed as a smoker on your life insurance application, or using chewing tobacco, is going to cause your insurance rates to double.

The rate is based on your medical history, including any pre-existing health conditions, as well as that of your family, and such lifestyle choices as whether you're a smoker or have dangerous hobbies.

P.J. Thompson, a life insurance agent based in Massachusetts, said that in a few cases, his clients have been able to get rated as a non-smoker - similar to how life insurance companies treat «celebratory cigar» smokers.

The agent at AIG Direct also told me that most other carriers (or at least the ones that work with AIG Direct, a full list of which is unavailable on their website) will accept social marijuana users, but give them the same rates as tobacco smokers.

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.

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

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.

As you can see, smokers get their own rating standards, and it's going to be much more expensive than the other rating classes.

The rate for smokers life insurance is higher than non-smokers, sometimes by as much as $ 100 per month, or more.

There are many advantages applying with Prudential such as very competitive smoker rates, hazardous sports involvement, height and weight issues.

Contact us as we know how each of our 70 + A rated insurance companies treat cigar smokers.

Let's take an example of a 50 year old man applying for $ 250,000 worth of coverage at Standard Non Smoker rates, as well as smoker rates and compare pricing between Prudential and MeSmoker rates, as well as smoker rates and compare pricing between Prudential and Mesmoker rates and compare pricing between Prudential and MetLife.

When you add an expensive smoker rate to an affordable Term life insurance quote the premium goes up quite high as I explained.

If you're listed as a smoker when you apply for coverage, regardless of which company that you choose, you're going to pay much higher rates for your plan.

If you were listed as a smoker on your application, or you're looking to get more affordable rates through a term insurance plan, the best way to cut your premiums in half is to kick the cigarettes.

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

Life Insurance for Smokers — Smoking is a major health hazard and, as a result, causes your life insurance rates to go up.

Other life insurance companies will give you non-smoker rates if you pipe smoke only as long as no nicotine is detected in your urine test, which means you aren't a daily smoker since cotinine usually takes 1 - 3 days to leave your system.

I do have very competitive rates for smokers as I work with over 60 Carriers.

This is especially the case if you have certain health issues, such as searching for best life insurance rates for smokers and / or you possess other factors that may deem you as being a higher risk applicant.