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.