Smoker Term Life Insurance

Written by: Surae Sirkahttp://smokertermlifeinsurance.its-4-u.com/When taking out insurance of any type one must meet several requirements. ObtainingTerm Life Insurance is no different. It makes sense for the Life Insurance Company toensure that the proposed life to be insured is an able bodied and healthy soul. And so itcomes as no surprise that premiums are calculated on factors such as lifestyle andmedical history. Other factors include gender, occupation and age.Whether one smokes is of course a factor insurers want to know about. The use of tobacco products is a discriminating factor that distinguishes the population.Surprisingly not all insures inquire about either the form or frequency of a smokershabit. This means whether you are an occasional once a week cigar smoker or a 3 packeta day puffing billy you are nonetheless treated the same. On the other hand someinsurers do draw a distinction between form and frequency of tobacco use. It followsthat you as a smoker must be able to select insurance companies that appeals to your individual circumstances. This is because these insurers base their premiums on the rateof tobacco usage and form. These insurers are at pains to distinguish between the use of say cigarettes, cigars, pipes, smokeless tobacco, marijuana or even a simple nicotine patch.The use of illicit drugs such as marijuana must be fully disclosed on application.Lifestyle Factor The perspective of the insurers is simply that smokers represent a higher risk than non smokers. it is statistically established that smokers absenteeism is higher than that of non smoking counterparts. It is considered smokers immune system is moresusceptible to contraction of increased infection rates. And it goes without sayingsmoking has been labeled as a factor of a pre mature death rate. Maladies such as high blood pressure, heart attack, emphysema, lung cancer, stroke, asthma and related cancershave all been put at the feet of tobacco use. More contemporary medical studies arelinking heavy smoking to the incidence of Alzheimer's disease.In addition some one who is in the employment of hazardous tasks ie oil refinery worker - will be subject to higher premiums measured for risk. Term Life Insurance - Low CostFor Smokers The good news is that several insures in recent years have introduced lowcost premiums for smokers. For people who only use cigarettes they can now be insuredfor 10, 15, 20 or 30 year terms at reduced rates than ever before.