Reader question:

How can I get Houston TX smoker life insurance?

Daisy

Good question.

It doesn’t really make any difference whether you smoke a pack a day or one cigarette a couple of times a year. Most life insurance companies will charge you for Houston TX smoker life insurance just the same.

There are even some companies who cater specifically to people who smoke. I’ve checked out the quotes to a few of these, though, and they tend to be higher. The difference is that where one company might deny you, they’ll definitely accept you…for a price.

There’s a pretty good reason why Houston TX smoker life insurance is costlier than other kinds of life insurance. Almost all lung cancer cases are contributed to by smoking, and these types of cancer are also usually more deadly than things such as breast cancer, colon cancer, etc.

The good thing is that, if you try, you can get rid of the effects of smoking pretty quickly. After you’ve abstained from smoking for a day, you have less risk of heart attack. Ten years letter, 50% less risk for lung cancer. Five years after that, it’s as if you’d never picked up a cigarette at all.

take care,

Fashun.

Reader question:

Is there any way to get around the Houston TX smoker life insurance rate?

Chris

Glad you asked.

There are two things you need to do to get a Houston TX smoker life insurance rate. They are:

• admit that you are a smoker on your life insurance policy application
• fail a nicotine test during your medical exam

Now, if you get no medical exam insurance and you just choose not to reveal your smoking habits, you might slide by without a Houston TX life insurance smoker rate, but you could get your policy canceled because of this. One question which may come up for recently former smokers is–how long des it take for the nicotine to clear out of your body?

Now, this depends on your metabolism. Typically, after three days without smoking, you won’t show up as a smoker on the test, but some people have a disorder which they may never realize they have until they take one of these tests, where it takes several months to pass nicotine through their body. If you want to be sure on getting non smoker rates, you could wait a year after you quit smoking.

take care,

Fashun.

Reader question:

What does Houston TX smoker life insurance cost?

Sally

Glad you asked.

Houston TX smoker life insurance rates are constantly changing, but I have compiled a few quotes which can give you an idea of what smoker life insurance may cost you. Houston TX smoker life insurance costs about thrice as much as a typical policy, so even though these prices may not be extremely high, think of what you could be paying.

• 25 year old
  • 10 year term life insurance
    • $367
  • 20 year term life insurance
    • $380
• 35 year old
  • 10 year term life insurance
    • $390
  • 20 year term life insurance
    • $640
• 45 year old
  • 10 year term life insurance
    • $850
  • 20 year term life insurance
    • $1343
• 55 year old
  • 10 year term life insurance
    • $1762
  • 20 year term life insurance
    • $3072

take care,

Fashun

Reader question:

What is considered when I try to get life insurance with cancer?

George

Good question.

Life insurance with cancer is a difficult path to manuver, and so those who suffer from cancer or have suffered find themselves struggling to be insured. This is one reason why you should get a life insurance policy at a young age. Many companies will allow you, if you already have a policy when you develop cancer, to take out the settlement money even though you are still alive and use it for things such as treatments and medical bills.

However, even once you have gone into remittance, if you have term life insurance with cancer, then you will often see your policy is not renewed when it runs out. This is where impaired risk companies come in. These companies have a policy for offering life insurance to people who are high risk, such as cancer and other disease survivors, who still have the chance of remission.

These companies have a new way of rating policies than before. They are able, instead of just considering that you have had cancer, to look at the trends and medical advances and see how likely it is that you will come out of remission, and then base your policy rate on that.

take care,

Fashun

Reader question:

Can you get life insurance coverage with cancer?

Carolina

Excellent question.

Every year, over a million people receive a new cancer diagnosis. And while around half that amount die every year, most cancer patients make it five years or more after their initial diagnosis. And with such a long survival, all of the opportunities and responsibilities of life still exist, which means that it is sometimes necessary to buy life insurance coverage with cancer.

This, of course, is extremely hard. However, it is not an impossibility, and the option is still available for those who are willing to work and look hard.

How easily you are able to find life insurance coverage with cancer, and how much it will cost, hinges on what kind of cancer you have. Surprisingly, some cancers, such as skin cancer, barely affect your rates or don’t affect them at all in some cases. On the other hand, you will have more trouble if you have colon cancer or leukemia.

One thing you can be sure of, though, is that if you are currently receiving treatment for cancer, the vast majority of life insurance companies won’t touch you. In all other cases, get a large number of quotes and do some research.

take care,

Fashun.

Reader question:

How much does life insurance coverage cost?

Lucille

Good question.

How much does life insurance coverage cost? Well, that will depend on several factors, from the type and amount of coverage you buy, to how old you are, to your health problems and activities, to your financial situation, and more. However, after getting quotes for several different situations, I can give you an idea of what your payment should be around.

• How much does life insurance coverage cost?

I tried two different scenarios. One was a healthy, non smoking, young man. At the age of 30, he would have been paying around $27 a month for his life insurance policy. By the time he reached 40, it would have risen around $10. As for a 50 year old man, he would have been paying around $86 each month for a $500,000 term policy.

Then I tried an overweight young smoker who also purcahsed a term life insurance policy for $500,000. At the age of the 30, he would have been paying around $140 a month; at 40, more like $200; and then again at fifty, $500.

This is why it is so important to keep in shape.

take care,

Fashun

Reader question:

Can I just…lie in order to not get Houston smoker term life insurance rates?

Kasey

Interesting question.

In many cases, companies take your word on it when it comes to smoking. You are rated for Houston smoker term life insurance if you put a check in the yes box next to the question: do you smoke? This also goes if you smoke cigars or chew tobacco. Some people can be tempted to lie, especially since you can abstain from smoking for three days and it will not leave traces in your urine. What you decide is up to you.

Lying on your application may not mean that your policy will be denied, but it’s still not a good idea. Since a lot of people do this, life insurance companies go to extra effort to find out who is telling the truth and who isn’t.

One of the main problems with lying in order to avoid the rate for Houston smoker term life insurance is that, if you die within two years since you got your policy and your insurance company finds out that you smoked, then they can deny your claim and your family will receive nothing. It doesn’t matter if you die from something cause by smoking or just in a freak accident–they can still deny it, or they can just pay out what you would have gotten if you had Houston smoker term life insurance.

take care,

Fashun

Reader question:

What are the benefits of a Houston no exam life insurance policy?

Jose

Good question.

Even if you choose to buy a Houston no exam life insurance policy, your savings are only as good as how you treat yourself while you have this policy. Since no exam policies are almost always term policies (and if they are whole life then you should be suspicious), eventually it will be over, and being older, you will probably have to submit yourself to a physical in order to get a new life insurance policy.

In order to keep your body healthy as you get over, you need to practice a healthy living style. One of the main things that affects older people buying life insurance policies is a history of smoking. Even if you don’t suffer any negative health effects from this, you will still have to pay higher prices for your life insurance simply because of the possibility of health effects.

You should also do some research, while you still have your Houston no exam life insurance policy, of what kind of illnesses are common in your family and how that will affect your life insurance rates, even if you don’t inherit one of these illnesses.

take care,

Fashun

Reader question:

How long after I get off cigarettes can I get cheap life insurance for smoker?

Tim

Thanks for asking.

Cheap life insurance for smoker applicants is nearly impossible to get, but if you put in the effort to quit smoking then you can get lower rates within a relatively short period of time. There are many ways to quit smoking, from pills to programs to patches, but mostly you just need a will and the support of your family and friends.

Once you have quit, it takes a year with most companies for them to start seeing you as healthy. After a year, many companies will allow you to have a standard rate with their company.

After you have been done with smoking for three years, though, you can move up the ladder to a preferred position and get some very good rates.

The best rates you can get as a former smoker are after you have been done with smoking for a period of five years. Since cheap life insurance for smoker applicants is rare, this is the way to go.

Reader question:

What is the effect of smoking cigars on an Atlanta GA life insurance rate comparison?

Anne

Glad you asked.

When you smoke cigars, it is even more important to make an Atlanta GA life insurance rate comparison than ever, because you are most likely to be faced with higher rates.

You may be incredibly healthy, but as a smoker, you still have a higher chance of developing health problems, and even if you pass your physical with flying colors, your life insurance company will still take that into consideration with rating your policy. While cigars are not as unhealthy as cigarettes, they still contain many of the same ingredients, which is also a reason why you will be charged more for your life insurance if you chew tobacco as well.

There is a difference, though, between being a smoker and being someone who smokes a cigar now and then on special occasions. Companies have different ways of determining this. For some companies, if you smoke one cigar or less each year, then you will not be charged as a smoker, but any more than that and you will.

If you are a person who smokes cigars irregularly, then you should do an Atlanta GA life insurance rate comparison and also check out what the companies’ policies are for celabratory smoking.