Life insurance for smokers Ξ Page 9

Life Insurance For Smokers, Compare Smokers Life Insurance Policies

Life Insurance For Smokers Introduction Recent research has proven what we all already knew, that smoking drives up the cost of life insurance and that it does so quite dramatically. However, what many people fail to appreciate is the sheer enormity of this cost. Over the course of a typical twenty-year fixed-term life insurance policy the difference between a smoker and a non-smoker can be thousands of pounds. (See below: How does smoking affect the cost of life insurance? ) In fact, it is reasonable to assume that for many smokers the affect on their life insurance premiums is far greater than the amount they spend on the cigarettes themselves. This brings us to another unfortunate fact...

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Smoker lies causing life insurance prices to rise, AA says

Smoker lies causing life insurance prices to rise, AA says Many do not reveal their habit when seeking or renewing polices pushing up costs for others Up to 40 per cent of smokers with life insurance do not admit to the habit when applying or renewing health insurance and their propensity to lie costs non-smokers money, figures from AA Life Insurance suggest. The AA analysis of life insurance applicants countrywide shows that there are more smokers than there are people who admit to smoking on their policies applications or renewals. According to data from the Health Service Executive (HSE), the overall prevalence of cigarette smoking in Ireland last year was 19.1 per cent. That number is...

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Stop Smoking and Save on your Life Insurance Premiums

Stop Smoking and Save on your Life Insurance Premiums Life Insurance for smokers Around 9 million adults in the UK smoke cigarettes: 19% of men and 15% of women. Two-thirds of smokers start before the age of 18, according to Action on Smoking and Health. Giving up smoking heightens your chances of living a longer and healthier life, gives you whiter teeth, a clearer complexion, and improves blood circulation; the list of benefits is endless. Statistics show that smokers are more likely to claim on their life insurance or critical illness policy as they have a higher risk of dying and/or developing serious medical conditions such as cancer, emphysema, bronchitis and many more. This means...

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Should I Let My Life Insurer Know That I’ve Started Smoking Again?, Stangen

Have you recently started smoking? If you have, and you have life insurance in place, you might want to give this blog post a read. When it comes to life insurance (the type that requires medical examinations), one of the key underwriting questions at application stage is “Do you smoke?” It’s obvious why a life insurer wants to know if you smoke. Smoking is dangerous to your health and can result in all types of chronic diseases including some nasty stuff like Cancer. Life insurance companies know this and they hand out hefty premium loadings to smokers as a result. In fact, you can pay almost 50% more for your life insurance if you are a smoker – ouch! If you took out your life insurance...

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The Truth About Life Insurance and Smoking

We all know that smoking is bad for our health, and if you have begun to look into buying a life insurance policy you may have noticed that ‘Are you a smoker?’ is one of the key questions you will be asked in your application. Here we look at the truth about how smoking can affect your life insurance cover and premiums. Risks for Smokers We all know that smoking has a hugely detrimental effect on your health, with around one hundred thousand people in the UK dying from smoking related illnesses each year. Diseases Associated with Smoking The disease most commonly associated with smoking is lung-cancer, but it also increases the risk of a number of other serious health conditions...

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Life Insurance and Smoking, Jameson Financial

'I have made it a rule never to smoke more than one cigar at a time. I have no other restrictions as regards smoking. I smoke in bed until I have to go to sleep; I wake up in the night sometimes once, sometimes twice, sometimes three times, and I never waste any of these opportunities to smoke' - Mark Twain. How would Mark Twain get on today if he was applying for Life Insurance? Firstly, what all three have in common is that there is a 100% loading for smokers. In other words, premiums are doubled if you smoke. However, both New Ireland and Zurich offer some respite for those afflicted with the deadly habit. In the case of New Ireland, if you switch to e-cigarettes and and stay off...

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Vaping, E-Cigarettes and Your Insurance, BMO Learning Center

If you've kicked your smoking habit in favour of vaping, you may be thinking you've made a solid choice in support of your health, but have you? Are e-cigarettes actually “safer” than traditional cigarettes? The answer to this question may surprise you, and the effects on your insurance premiums may have you rethinking your new habit. — Statistics Canada, with support from Health Canada Can we help? Have one of our licensed insurance advisors Why is it called vaping anyway? E-cigarettes (a.k.a. electronic cigarettes) work by converting a liquid concentrate into a vapor that can be inhaled like a traditional cigarette. Hence why it's called “vaping” instead of “smoking.” The vapor dissipates...

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Smoking And Smokers Life Insurance Quotes, Insurance Hero

How Does Smoking Affect Life Insurance Cover? Four years ago, Stoptober was launched, which officially sees the first day of October begin a 28-day smoke-free period. The support is there for those who are ready to give stopping a go, and if you aren’t quite there yet when you see the figures below, you may want to mark the 1 of October (Stoptober) on your calendar for next year… and that’s if you don’t try yourself before that. According to the Office of National Statistics, 19% of Brits are smokers. Back in 1974, 46% of the nation smoked tobacco products, so there are fewer people smoking. What we also know from the research is that of the 19% of people using tobacco products, a...

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How can smoking affect my life insurance premiums?, TAL

TAL product manager David Wilkinson reveals the extra hurdles smokers may encounter when applying for life insurance or income protection insurance. In terms of life insurance and income protection insurance policies, what are smokers covered for, compared to non-smokers? “Generally, the same cover is available for smokers and non-smokers. The difference is usually in the price, with non-smokers tending to pay less” David explains. What sort of health checks will a smoker be expected to have? Health checks are generally not mandatory for smokers. Life insurers generally have requirements for medical examinations for high levels of cover such as $1 million or more life...

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3 factors that will drive your life insurance premiums through the roof

What you'll pay for a life insurance policy can vary dramatically; men pay higher premiums than women, older policyholders pay more than younger ones and smokers pay more than non-smokers. But just how much does your age, gender or smoking habit cost you? evaluated life insurance premiums for the top 25 carriers in the nation to find out. Men pay an average of 38% more than women for the same coverage. Here's one area where women have a financial edge. Men are at a greater risk of cardiovascular disease, various cancers and accidental injuries and that makes them more risky to insurers. The average life expectancy of an American man is also five years younger than a woman's, meaning an...

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