(PRWEB) November 06, 2013
A life insurance no medical exams policy offers coverage in 24 hours and the insured does not have to visit any doctors. When it comes to getting life insurance, smokers will have to pay more for their plans as agencies will put them in a risk category.
Insurance agencies classify everyone who uses tobacco products as a “smoker”. “Tobacco products” means: cigarettes, cigars, chewing tobacco, pipe tobacco, nicotine patches and gum. To be considered a “smoker” a person must have used any nicotine based product in the last 12 months.
Agencies do not usually make any difference between a casual and regular smokers. Changes are that both types of persons will receive the same rates. Smoking, doubles, triples and sometimes makes premiums four times more expensive.
Smoking will not prevent any healthy person from getting life insurance! It will only make premiums higher. In order for someone to be considered a non-smoker, he or she must abstain from using any nicotine based products for at least a year. Nicotine traces are cleared out of the blood in several months.
“Smokers need life insurance too! The good news is that they can find affordable premiums just by simply comparing quotes!” 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://noexamlifeinsurers.com/ .