Nicotine. Is it in your system? Why does it matter? Let’s compare your bodily system to a car for a moment. Picture a dashboard. Say your system has a dashboard with a set of gauges, just like a car does. Instead of measuring fuel, oil, engine health and tire pressure like you would see in a.. Read More
Smoking Doesn't Always Mean Higher Premiums
Millions of Americans use tobacco, and it comes in more forms now than it ever has. But just as it does with health insurance, it can raise life insurance prices.
Of course, there are still ways to save. Did you know there are companies who allow, for example, a certain number of cigars per year, and still consider you a non-smoker? And it's not the only type, either.
We have several resources for about every type of tobacco, but you can get the full guide to saving on smoker's life insurance right here.
Far too many marijuana users are still hesitant about buying life insurance. The reason is because you likely have one or more misconceptions about life insurance with marijuana use. Let’s cut to the chase here: You don’t have to pay smoker rates (big savings!) You don’t have to get tested for THC You will not.. Read More
You may be wondering what your options are for life insurance while taking Zyban or other Bupropions. You’re not alone. If smoking or using other tobacco products has been a daily habit in your life for a long time, quitting “cold turkey” may not be an option. Many people require the help of smoking aids.. Read More
For many people, quitting smoking is the hardest thing they have ever done in their lives. Nicotine is a highly addictive substance, and the daily habits revolving around using tobacco are hard to stop doing. If you’ve decided to stop smoking and have begun to take Chantix, you’ve made a great decision. You might be.. Read More
Just like health insurance companies, life insurance companies are known to penalize smokers with higher premiums for policies. Since the goal of a life insurance company is to insure people who are in good health and will live for a long time, insurance underwriters see smokers as high risk applicants. Similarly to a health insurance.. Read More
The life insurance industry is rarely seen as a dynamic one, yet marijuana is forcing the hands of many of the best life insurance companies in the country to take a second look at their underwriting guidelines. In years past, any use of marijuana meant smoker premiums, but this is no longer the case. Several carriers now.. Read More