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 […]
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.
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 […]
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 […]
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 […]
Not everyone who smokes is a heavy user. In fact, thousands of Americans enjoy tobacco without touching cigarettes, commonly viewed as the worst for your health. Fortunately, when you’re making an insurance decision, buying life insurance as a cigar smoker could end up working in your favor. Life insurance for cigar smokers can be much cheaper […]
One of the greatest misconceptions about vaping and life insurance is rate class. So much misinformation is all over the internet about whether a person can get non-smoker rates or if they’re stuck paying the smoker tax. Let’s talks facts. The Truth About Vaping And Life Insurance Let’s make this very clear from the beginning: Regardless […]