(PRWEB) January 03, 2014
Cigarettes and other tobacco products are harmful for a person’s health. Tobacco is linked with a number of serious medical issues like pneumonia, lung cancer, heart attacks etc. Because of the negative effects of smoking, agencies will sell policies for smokers at higher premiums. If a smoker has other medical problems, he or she may not be able to purchase life coverage.
People who want to improve their eligibility should quit tobacco. Agencies do not take into account the number of cigarettes or how often someone smokes, so a pack-a-day smoker will get the same rates as a casual one. Smoking can lead to a number of diseases which can prevent clients from getting approved for life insurance. For example, people who have cancer cannot get life coverage.
No medical exam life insurance plans have a simplified underwriting process; however, this doesn’t mean that smoking has no effects on the policy’s costs. Smoking will increase the cost of premiums and affect eligibility chances. People who want affordable life coverage for their loved ones should consider quitting tobacco. In order to be viewed as a non-smoker by an agency, someone has to abstain from smoking for at least 12 months.
“Life insurance is an important investment which should not be ignored. People who want the best life insurance for their loved ones should consider quitting tobacco products!” said Russell Rabichev, Marketing Director of Internet Marketing Company.
Noexamlifeinsurance.us 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://noexamlifeinsurance.us.
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