(PRWEB) December 20, 2013
Understanding how life insurance premiums are calculated will help clients cut insurance prices by making the right lifestyle choices. Smoking is a widespread habit, but its consequences can be devastating for the well-being of a person and for life insurance rates. People who do not smoke will get better life insurance rates than smokers.
Insurance agencies will be more likely to sell no medical exam life insurance plans to non-smokers as they do not risk getting several terminal diseases. Smokers are in danger of developing pneumonia, lung cancer, heart diseases and other terminal illnesses which can shorten the lifespan. If a person lifespan is shorten, the agency may have to pay insurance proceedings, a fact which can cost them a lot of money.
Nonsmokers can get preferred plus rates which are the best for no medical exam life insurance plans. Smokers on the other hand, cannot get these rates and they will be considered as a risky category of insureds. By quitting smoking, people can save money on life insurance premiums and get better life coverage for their families.
“If getting cheap life insurance is a concern, quitting smoking is the best thing to do! Non-smokers can get cheaper no medical exam life insurance plans!” said Russell Rabichev, Marketing Director of Internet Marketing Company.
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://onlineinsurancemarketplace.com.