It seems that my smokers life insurance premiums in Dallas are higher than those of my friends who are of the same age and lifestyle as me, except that they’re just social smokers. Why is this so? I live in Dallas Texas.
Brandon
Dallas Texas
If you are a heavy smoker as compared to your friends, then this must be the reason why you have a more expensive smokers Dallas Life Insurance. When you purchased your Dallas Life insurance, your insurance provider must have known your smoking habit and thus, gave you a higher premium rate.
There may be other reasons for the differing rates in smokers Life Insurance in Dallas. One example would be if you are smoker and super-overweight, you would probably be declined of Life Insurance coverage due to a lot of risky factors. On the other hand, if you remain healthy despite your smoking habits, you could have cheaper life insurance rates.
You see, the more conditions or habits you have that increase your health risk, the higher your life insurance rates you would have. In fact, insurers know that smokers have more potential health costs than nonsmokers. The more life insurance companies see your potential to require medical attention and visit the hospital more often, the more they will be charging you of higher life insurance premium rates.
Cigar, cigarette, tobacco smoking and other tobacco products such as gums, chew and patches are bad for your health. It is associated with everyday conditions such as allergies, colds, bronchitis, asthma and among others. Furthermore, it is associated with long-term effects such as heart diseases, strokes and cancer. These conditions accumulate, increasing damage to your health and increasing the frequency you will seek medical treatment. Thus, this should make sense as to why smoker life insurance is more expensive.
I guess you could say that this is society’s way to force people to quit smoking since the more they will become dependent to cigars, cigarettes, pipes, tobacco smoking and non-smoking tobacco products such as chews, gums and patches, the higher they would have to pay for their life insurance premiums.