subject: Will Smoking Affect Your Life Insurance Premiums? [print this page] Will Smoking Affect Your Life Insurance Premiums?
If you smoke, you will pay a higher premium for life insurance. This is because smoking is known to reduce life expectancy and increase the risk for cancer, heart disease and many other diseases.
Life insurance will help protect you and your family financially if you die or be diagnosed with an incurable disease. This means that if one of these terrible events would occur and therefore no further on his family, who still give access to funds. Smoking receive the same level of financial and non-smokers, but due to the increased risks associated with smoking, they have to pay a higher premium.
In 2008 it was estimated that 10 million adults smoke cigarettes in the UK. However, smoking is still considered the leading cause of preventable illness and premature death recognized in the UK, with over 107,000 people who die in the year 2007 because of snuff diseases such as cancer. About 86% of deaths from lung cancer in the UK are caused by smoking. However, smoking can cause cancer in other sites, including the mouth, pancreas, stomach, liver, bladder, kidney, cervix and colon. [1] Due to these health risks associated with smoking, you should know the details of your life insurance to their smoking habits. Fortunately, life insurance your family are financially in the event of his death from cancer or diagnosis of terminal cancer, and it is so important for quality assurance.
If you apply for life insurance the general number of questions on lifestyle, work, health problems, family medical history made, and if you smoke or not. Whether the occasional cigarette, or if you smoke regularly, you should always inform your suppliers with the specific details of their smoking habit. Then use this information, and other items of personal information, we need to determine what conditions may be offered. If you do not say who smokes and who later noted that he does, it can determine that any application may be rejected and your insurance can be canceled by the supplier.
It can work are different types of strategies. Most have a level of health benefits and level premiums. Examples include the term of 5 years, less than 10 years, 15 years later, 20 years, 25 years and 30 long-term policy. You can also decreasing term care insurance. This type of policy is often used to pay the balance of a mortgage when the owner dies. There is another kind of policy is called annual increase in premium term or long term. It really is a political year with an option to renew each year achieved in insurance costs to the actual age. The more plus the cost of renovation.
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