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It is not a surprise to anyone that smokers pay higher premiums for life insurance if all other things are equal. If you get labeled a smoker by your insurance company you automatically are placed in the smoker risk category. That means your premiums are going to be higher than those for the nonsmokers. It is a sad reality but the rate of mortality in smokers is much higher than for those that do not smoke, having said that all cases are looked at on an individual basis so not all of it is just black and white. Companies have a very specific set of questions to determine if will be classified as a smoker or not. Even if you use a patch or chew nicotine gum you may fall into the smoking bracket. That may seem a bit off center but insurance companies want to see if there is any nicotine use in what form is not important. Insurance questions commonly asked are for instance, have you uses a tobacco product with the last year. Answering yes to that question will most likely put you into the smokers group and you will pay higher rates. The companies do not normally differentiate between a pack a day smoker and an occasional smoker. The insurance companies look at it as if the risks in health are pretty much the same so the rates will be too if all other things are equal. If you smoke a pack per day there are possibilities you will have some health issues like high blood pressure that add to increased rates as compared to a nonsmoker or one that only occasionally smokes. Your health will be characterized into one of several different categories. For example Preferred Plus, Preferred, Standard Plus and Standard these are generally the categories but each insurance company may differ a bit on their titles. Many men and occasionally women like to light up a cigar the question is does that automatically put you into the smokers category. The quick response usually is no if you only light up once or twice a year. But all insurance companies have some variance in their standards for underwriting so you could be classified differently between two different companies. Smoking can cause your premiums to increase substantially therefore shopping for a multitude of quotes is the best idea because there will be quite a bit of variance amongst the different companies. Lying on your application is insurance fraud and you should not take it lightly and nor will the insurance company or authorities. Severe consequences could result from lying. For instance say you pass you medical exam and get an insurance policy as a nonsmoker. If your die and the insurance company learns you had been an habitual smoker, they could deny the life claim on your policy. The best rule of thumb is to tell the truth for the start and just accept it as fact that if you smoke, you need to pay higher premiums for your policy. No Exam Life Insurance Quote
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