Miami FL smoker life insurance
Filed under: Miami Life insurance quotes, Miami smokers life insurance
Reader question:
What kind of price can I normally get for Miami FL smoker life insurance?
Rick
Hey, Rick,
The “Are you a smoker” question on life insurance application forms is one of the most important, and the most confusing. Since you are a smoker, your route is clear for you–you should answer yes. But what will happen then?
As a smoker, you open up a thousand new ways to become ill and to put your life at risk, and the Miami FL smoker life insurance company takes that into mind. Although you may be perfectly healthy right now, things such as smoking and chewing tobacco compromise your health so much that it is almost certain you will have some kind of problem in the future. So most companies treat you, essentially, as if the problem was already here: they shunt you down into the sub standard Miami smoker life insurance policy.
Sub standard has a different meaning in life insurance than it does in every day life. It doesn’t cover you less, but it does cost a lot more; sometimes three times of much. Now, you’re general health and other habits will also impact that, but basically, if you have to buy Miami FL smoker life insurance, you’re already locked in for a high price.
take care,
Fashun