Dont worry Smoker Insurance is available for you !

 

    welcome to my channel please like comment and subscribe if you are a smoker many insurance companies will still give you life insurance but you might find it cost to you more what we mean by a smoker even if you don't consider yourself to be a smoker your insurance company might as well as cigarettes seekers and pipes for many injures including us you are quest a smoker if you fap or use nicotine substitutes such as patch gum or lozenges so if you puff on strawberry scent a liquid or chew a stick of nicotine gum it is treated the same way as any other form of smoking and could affect your monthly life insurance premiums why smoking influence life insurance being a smoker could increase 

    the risk that you will suffer ill health or disease at a younger age and that's something an interest considers when setting your life insurance premium but it's not the only thing they consider well you can look for the best life insurance for smokers or cheap life insurance for smokers remember that what you ultimately pay will depend on other factors too such as your health and lifestyle it's not just about if you if you smoke or not does it matter how much you smoke whether you are 20 a day kind of person social smoker or only vape when you are stressed for many insurers including us you are labeled a smoker no matter how much or how little you indulge what it takes to jump from smoker to non-smoker in the eyes of your insert can vary with us to be classed as a non-smoker you need to have used nothing tobacco or nicotine related including cigarettes in liquid and nicotine replacement products for 12 months the price is different to help highlight the potential price difference between smoker and non-smoker here's a simple example based on someone taking out life insurance with us a 35 year old no smoker who won 150 000 parceling of mortgage protection or decreasing life cover to last for 25 years would pay 861 points a month if the same person was a smoker they would pay like 15.24 counseling a month your premium price can also be affected if you are an egg smoker depending on how long it has been you since you give up but how does your love your insulin know if you smoke it is important to be honest about being smoker 

    when getting life insurance any information you you give your insurance need to be truthful and accurate to the base of your knowledge otherwise you run the risk if you ever need to claim that they may not pay on if you are thinking but how will they ever know if your claim is investigated and any health report shows evidence you lied this could invalidate your policy and what happens if you quit smoke if you give up smoking we will class you as a non-smoker when you haven't used tobacco or nicotine related products for 12 months different insurers may have different guidelines so make sure you check with them if you took out a policy with us when you a smoker and you then stop this worth this will automatically change your premiums however if you now meet our definition of non-smoker you could be eligible to take a new life insurance policy you can get a quote to see how being non-smoker affects how much you pay your past smoking history might still affect your price and smoking isn't the only thing we think about when setting your premiums we'll also consider a thing like your current health and age that's all the explanation about smoker in insurance i hope it helped you thank you so much for watching don't forget to give like comment and subscribe

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