Getting Cheap Smoker Friendly Life Insurance Coverage
Reader question:
Is there any way to get around the high priced smoker life insurance rate? I want coverage but I need something cheap that I can afford, which does not seem easy to get these days.
Chris
Glad you asked.
There are two things you need to do to get a 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
- stop smoking for at least 20 days before taking the medical exam, your blood will show nicotine for a long time after you stop….hard I know.
Now, if you get no medical exam insurance and you just choose not to reveal your smoking habits, you might slide by without a higher priced 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 does 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.
Getting Cheap Smoker Friendly Life Insurance Coverage
Tags: medical exam, nicotine, quit smoking, smoker life insurance