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Have you procrastinated for a long time about quitting smoking? If so, you’re certainly not alone. Perhaps it’s time to actually stick to your New Year’s resolution and attempt to stop smoking once and for all!
Consider the Many Incentives to Quit You have probably read all of those health warnings printed on the back of cigarette cartons and heard many statistics explaining just how dangerous smoking can be to your health. Smoking has been proven to cause many deaths every year. That’s why it’s important to make a concerted effort to quit smoking as soon as possible. You may be able to reverse some of the damage that has already been done and prevent further health complications. However, you may not be aware of another incentive to quit smoking: you can save a lot of money on your life insurance premiums if you give up the dangerous habit. The fact is that non-smokers pay much less for life insurance coverage than smokers. Pay Lower life insurance Premiums Smokers often face very high life insurance premiums, because they are at a much higher risk of dying from smoking-related complications such as emphysema and lung cancer. Therefore, you can lower the cost of your annual premiums by quitting the deadly habit. As an additional incentive, many life insurance companies will classify you as a non-smoker and charge you the lower insurance rates after you have stopped smoking for at least one complete year. Change your Status to Non-Smoker If you have already quit smoking for at least one year, you should discuss the situation with your life insurance company or agent. Request to have your status changed from smoker to non-smoker so you can pay lower premiums. When your premiums are changed, review your life insurance policy to ensure you are getting the best deal. You may have different options available once you are classified as a non-smoker. Obtain A New life insurance Policy If you are like the many smokers who choose not to purchase life insurance because of the high cost, you can reconsider once you stop smoking. Once you are classified as a non-smoker, you may be able to afford the annual premiums for a life insurance policy. Make sure to talk to your life insurance agent or obtain multiple rates quotes by conducting an online search. If you are tired of the high costs associated with smoking, now is the time to quit. You should consider not only the danger to your health and expense of the cigarettes, but also the higher cost of insurance. By choosing to quit, you can pay lower non-smoker premiums and increase your life expectancy at the same time! |
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