Cheap Smoker Life Insurance Rates Fort Lauderdale Florida FL

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Reader’s Question:

I’m afraid being asthmatic and smoker at the same time will cause my life insurance rates to go high. Is there anything I can do to get affordable rates if I buy life insurance in Fort Lauderdale, Florida?

Vincent

Fort Lauderdale, FL

Well, I shouldn’t lie to you. Smoking asthmatics definitely get one of the highest life insurance premium rates in the market nowadays. Smoker rates are up to 3 times more expensive than the regular non-smoker life insurance rate. On top of that, there will be a surcharge on that life insurance policy if you are also asthmatic.
However, you can give substantial proof to your life insurance provider that you take care of your health condition by paying regular visits to your doctor to monitor your asthma. If you have low to zero asthma attacks, that could indicate that you are responding well to treatments, which can possibly reduce your life insurance premium rates in Fort Lauderdale, Florida.

When it comes to your smoking, it always makes sense for you to quit slowly if you can. Asthma can be triggered by smoking and that can lessen your chances of being considered for more affordable life insurance policies. Quitting will not only help you treat asthma, but can also help your body regenerate properly, and eliminate other possible illness. Smoking still remains to be the top cause of chronic illness and health complications.

Try to shop for free quotes online for you to assess the price range of life insurance premiums in your area. You can simply use rates comparison form as shown in this web page which can route you to some free quotes from life insurance providers in Fort Lauderdale, FL that you can compare.

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Fort Lauderdale Florida smoker life insurance

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Reader question:

If I only smoke a cigar at celebrations, I don’t have to buy Fort Lauderdale Florida smoker life insurance, right?

Greg

Thanks for asking, Greg.

Well, it depends on how often you celebrate. If we’re talking about a very rare thing, at your kids’ graduations or something like that, then you might be in the clear. However, if you’ll light up every time a politician you like wins an election or your kid wins a ball game or another one of your particularly fertile family members has a baby, then you might have to dark in the yes box on your Fort Lauderdale Florida smoker life insurance application.

A Fort Lauderdale Florida smoker life insurance company is usually very, very strict on this sort of thing. Even if it’s the first time you’ve done so in ages, if you have smoked within the last 12 month period, then they will consider you a smoker for ratings purposes. In order to not be considered a smoker at all, you have to have gone without–and this includes the occasional cigar–for over a year, but to get the best rates that number has to be over 5 years.

take care,

Fashun