Sentences with phrase «tobacco risk class»

Your tobacco risk class depends on your health and each carrier will assign you the best class possible.

Some life insurance companies may qualify you for a non-tobacco risk class and some may keep you in a tobacco risk class — the more companies you have access to, the better your chances for a lower premium.

While all life insurance carriers will categorize a cigarette smoker with a tobacco risk class, their qualification criteria for Preferred Tobacco versus Standard Tobacco does vary.

Your tobacco risk class depends on your health and each carrier will assign you the best class possible.

Not exact matches

The risk class you fall into is determined by your overall health, family medical history, lifestyle (i.e. tobacco use) and other factors.

The risk class is the health classification they assign to the applicant which is typically based on height / weight, age, tobacco use, family health history and personal health history.

In its defence of two actions against Imperial Tobacco, one being litigation by British Columbia for health care costs incurred by BC to treat illnesses caused by tobacco usage, and the second being a claim by class members who bought «light» or «mild» cigarettes, Imperial Tobacco sought to add Canada as a third party, based on statements Canada made to tobacco companies and the public about the purportedly lesser risk of «light» reduced - tar cigarettes as compared with normal cigarettes.

Essentially, if you are offered a policy at the «Preferred Tobacco» risk class, this means that after reviewing your health, family history, and lifestyle habits, the underwriters would have considered you «Preferred» or «Preferred Plus» if it wasn't for your tobacco use.

If you use tobacco, you'll most likely be put in one of the «tobacco» risk classes.

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.

A rate class is an assigned risk valuation given to a policy based on a variety of mortality risk factors including, but not limited to, health, gender, age, weight, height, and tobacco use.

The risk class is the health classification they assign to the applicant which is typically based on height / weight, age, tobacco use, family health history and personal health history.

A rate class is a calculation given to a policy based on a variety of mortality risk factors including, but not limited to, health, gender, age, weight, height and tobacco use.

There are different standard risk classes depending if you use tobacco or not as well.

If you are a tobacco user, you will most likely be given a Tobacco risk class — which come with higher premium pricing than their non-tobacco counterparts.

Risk Class is the health classification the insurance companies put you in for pricing purposes based on your height and weight, tobacco use, family health history, and your personal medical history.