(PRWEB) September 07, 2013
It is generally known that smoking and chewing tobacco are dangerous habits for our organism and, as a consequence, we will have more chances of developing lung cancers, heart disorders and many other related diseases. These diseases will also affect people's chances of getting insurance for people over 50.
Obtaining insurance is difficult but not impossible. All that matters is not to have a serious or terminal disease caused by these bad habits.
Most insurance companies will ask people many questions about their current health status in order to find out if they suffer of any tobacco-related disease. Also, clients will have to take a medical exam and to bring some medical records in order to confirm their present health condition.
If one's health condition is seriously affected by smoking or chewing tobacco, that person will certainly be accepted as a client in order to get the desired coverage.
Nevertheless, there is still one major disadvantage in the sense that the client will have to pay more for rates and will get limited coverage options. But if people want to quit, it is better to choose a term life policy that provides limited coverage.
After the life contract expires, clients can talk again about the terms and give new results that show no signs of nicotine or tobacco in their organism. In this way, they will certainly obtain better rates for their life insurance.
Online Insurance Marketplace is an online provider of life, home, health, and auto insurance quotes. It is unique in that this website does not simply stick to one kind of insurance carrier, but brings the clients the best deals from many different online insurance carriers. This way, clients have offers from multiple carriers all in one place, this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.
For more information, please visit http://www.50lifeinsurance.net/.