Columbus, OH, December 09, 2011 --(PR.com
)-- The all important health warning on cigarette packets, cigar boxes, and smokeless tobacco products is unfortunately not taken seriously by millions of people who continue to jeopardize their health and also hurt their bank balance in many ways. Apart from the obvious repercussions of this costly habit, the chances of obtaining lower life insurance
costs are much bleaker for habitual smokers. In a recent article published by Insure4USA.com, one of the country's leading online insurance services, the company examines the relationship between smokers and life insurance policies and the adverse effect that smoking can have on premiums.
Alex, CEO of Insure4USA.com, at a recent meeting with the press presented several eye-openers that smokers ought to pay attention to when it comes to their health and matters of life insurance. Alex said, "Apart from the thousands of dollars that a person can save by leading a smoke-free lifestyle, it also has a positive impact on your life insurance bill. Insurance companies consider non-smokers low risk and therefore are willing to reduce their bill significantly. Therefore, you stand to benefit both ways and save much more than you expected every year. Average smokers spend as much as $200 or more a month on their habit, which works out to over $2000 wasted every year. Add the higher cost of insurance and the numbers get way out of hand. All it takes to saves those thousands of dollars is to gradually quit smoking and enjoy a healthier lifestyle as well."
The article also brings to light the vital connection between smoking and higher medical bills, which is one of the main reasons that life insurance premiums can hit the roof. For insurance companies, a person with an unhealthy lifestyle is potentially a high risk customer. Alex added a few serious points about the smoking and its impact on life insurance. He added, "Smokers can never hide their habit from insurance providers. To begin with, that would amount to insurance fraud, leading to serious and unnecessary complications. Companies classify smokers as 'Preferred, Nicotine,' where this category of applicants end up paying higher premiums. With compelling evidence that proves the connection between smoking and many diseases, smokers can only expect to watch their life insurance bill rise ever year. There is no way out, except to stop smoking. It isn't hard when you think of those thousands of dollars you can save at the end of each year. It is easier to kick the habit than 'cough' up those dollars every year."
See Insure4USA.com full article about life insurance for smokers http://www.insure4usa.com/life-insurance-for-smokers.html
Insure4USA.com offers consumers insurance quotes from the country's leading companies. For more information on how to obtain affordable life insurance or health insurance quotes, you can log on to Insure4USA.com.