If you are among the smokers who seem to be struggling to give up that bad habit totally and still want some protection, you must understand that this will affect your chances to obtain economical rates. If you have queries about this matter, go through this article which aims to answer smokers term life insurance faqs. Below, you will find a list of commonly asked inquiries about the effects of smoking to your chances of getting the best possible deal and how can you save on your plan among other things. Read on and be enlightened.

– Do carriers test the applicants for smoking? -yes, the insurance companies subject you to smoking test prior to deciding whether to approve or decline your request to purchase a plan. This is for them to have an idea if you do smoke. Health is one of the most important factors that the underwriters take into account. This will lessen their risks and will enable to put them into a position where they can minimize their losses.

– How do insurers conduct the test? -they will work with some health professionals that may include but might not be limited to physicians, nurses, laboratory assistants and medical techs. You will have to undergo medical examinations including blood test. There, the traces of nicotine will appear if you have consumed it a few days before the day of examination.

– How can I get life policy without having to undergo nicotine test? -there is no way that you can get away with the carrier’s underwriters without being subjected to any sort of medical tests. If you want to do so you will have to apply for guaranteed life plans. This of course is not a big issue as you can easily get affordable no medical life insurance quotes. As the name hints, there will be no need for needles and so your health status and even terminal sickness brought about by smoking will be rendered invalid. You can buy the mentioned plan over the internet. But the fact is, there is a price, in a literal sense that you have to pay.

– How long does tobacco stay in your system? -it largely depends on the volume of your tobacco intake and the history of your smoking. For instance, if you are a new to smoking it would not have a problem disposing nicotine traces in their bodies as they can get rid of it in just a matter of a few days, sometimes just a couple of days. But in the case of perennial smokers, it would be difficult. They might need longer period, which can be as long as few months, in order to get rid of nicotine traces.

– How can I check to see if nicotine still lingers in my system? -very much in the same way you were tested to see if you smoke, that is also how you could determine whether or not the nicotine still lingers in your system. Just go to a diagnostic center and have a blood test.

– Can you ask for some consideration to re-rate your plan? -just because you can’t quit smoking, it doesn’t necessarily mean you cannot ask the underwriters to consider reviewing your policy. More often than not, life insurance for smokers constitutes higher premiums. The point is: you still have chances to lower your rates if you can show them that you are trying your best to lessen your tobacco intake.

– What will happen most likely if I declare to the carrier that I don’t smoke? -this is maybe the costliest blunder that you can make. You will pay for it ultimately both in literal and figurative sense. Misrepresentation of details may cost you your family’s protection and financial security. It’s not just that, it is also probable that the carrier will not reimburse the premiums you have paid once they gathered enough proofs that you indeed misaligned facts.

– Are there ways on how I can save on smoker life insurance plan? -there are a number of ways through which you can save up your money on your plan even if you smoke. One of which is to quit smoking. This may sound quite unkind but if you really want to purchase inexpensive life insurance, you have to think about it.

As advised by David Livingston, in order to make the best decision possible, you need to fully equip yourself with all the information before taking the non recourse action. Here\’s an article for more information on your desired policies or visit his site for other specific information such as term life insurance for seniors today.

Article by David Livingston of EQuote, who is a specialist in everything life insurance. For more information, visit his site at http://www.equote.com/term-life-insurance/.

Author Bio: As advised by David Livingston, in order to make the best decision possible, you need to fully equip yourself with all the information before taking the non recourse action. Here\’s an article for more information on your desired policies or visit his site for other specific information such as term life insurance for seniors today.

Category: Finances
Keywords: life insurance for smokers, smokers term life insurance faqs, inexpensive life insurance