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