Ed Hinerman On Life Insurance

The News For Smokers Is Buy Life Insurance Before You Start!!

August 2nd, 2007

Depending on the life insurance company, rates for smokers can be anywhere from 2 to 4 times as much as for a non smoker in comparable health. Life insurance underwriters have a healthy respect for the link that smoking has to almost any health problem.

In a post about heart disease a few days ago I pointed out in fairly blunt terms the impact that smoking can have on your chances of getting fair life insurance rates if you have had cardiac issues.

Now there is a study that shows a relevant link between smoking and whether prostate cancer will spread beyond the prostate. The study doesn’t indicate that men who smoke are more likely to get prostate cancer, but it does show that those who smoke are more likely to die from the cancer.

Bottom line. If you don’t smoke but are considering it, buy life insurance now. If you do smoke, for the sake of your health and your life insurance rates, quit. Just a reminder. In order to be considered a non smoker for the purposes of life insurance, you have to have not smoked or used any tobacco or nicotine product for 12 months.

Related Posts

• Before You Light That Next Cigarette!!
• Have your cigar and eat it too!!
• Good News For Smokers…..Sort Of!!
• News Flash! Smoking Hurts Your Life Insurance Rates!
• Safe Haven For Cigar Smokers!

Entry Filed under: cancer, heart disease, insurance, life insurance, prostate cancer