How will things such as DUI and alcohol recovery programs affect my Tampa FL term life insurance rates?

Jackie

Thanks for asking, Jackie.

Anything you do which shows a history of having problems with or a heavy reliance on alcoholic drinks will drop your status in the eyes of your Tampa FL term life insurance company. With just one DUI, you’re probably going to be paying for an expensive rated policy for two years, and then might be able to get standard rates if you’re lucky. If you have more than that, though, or it’s part of a string of problems with you, then you’d be extremely lucky to find anyone at all who would insure you.

If you have participated in a program for alcoholics, it makes matters worse. Put together with your DUI, you will be uninsurable for several years. Just by itself, though, it’s pretty bad. Although you may be able to get into standard rates within two years after recovering from alcoholism, it will take another decade or two for you to get the chance to move up to preferred rates, all things being equal.

take care,

Fashun

When I compare Tampa Florida life insurance rates, will I be asked about my drinking habits?

Mary

Thanks for asking,

Drinking habits, Mary, are very relevant to the process that is when you compare Tampa Florida life insurance rates. If you drink too much, then you have an increased chance of suffering from several problems, from kidney disease to heart disease, in turn cutting off years from your life. So, naturally, life insurance companies are interested in just how often you feel moved to go to the bottle. That doesn’t mean, however, that just because you like a little bit of spirits now and then, you’re doomed to pay increasingly high life insurance premiums.

Most life insurance companies allow a little drinking for fun, for taste, for pleasure. If you’re the type of person who has some wine with their dinner every night, you’re not likely to suffer any averse consequences. The same thing if you head to a party every couple of months and down a few. The problems start when you begin drinking two or more alcoholic beverages a day. That’s when you lose out on your chance at getting a preferred plan. When you drink three or more, you are knocked down to standard rates. More than that, and you could have to buy a rated policy.

take care,

Fashun

I have asthma and have a history of being hospitalized. Can I buy Tampa Florida term life insurance online at a decent price?

Gerladine

Thank you for asking, Geraldine.

You can certainly buy Tampa Florida term life insurance online. Whether or not it’s for a decent price, though, remains to be seen. Life insurance companies, in my experience, base how much they charge you as an asthma patient on how well you are doing in controlling your condition. Sometimes it takes years and years after a serious asthma attack before you can get to the point where your company will charge you normal rates.

When you buy Tampa Florida term life insurance online, they will usually ask to see medical records showing when your last serious asthma attack was. After around 7 years of being in control without visiting the hospital, you might be able to get standard or even preferred rates. You have to stay on top of your asthma, even though people with asthma tend to have a normal life expectancy. You should go to the doctor about your condition at least two times a year, take all of your meds, and keep everything well documented for your life insurance company to see.

take care,

Fashun

I need Tampa FL smoker life insurance, and I also have asthma. Can I get insured? If so, can I get decent rates?

George

Great question, George.

It is possible to get decent rates as someone with asthma, but Tampa FL smokers life insurance is never cheap, and combining it with a respiratory condition does not make things any better for you. Not only will you already have the substandard rates of a smoker automatically, but you might find it hard to get someone to insure you at all considering that, rather than doing anything to help yourself, you are actually exacerbating your condition.

In order to get good rates with asthma, you need to follow all of your treatments and get to a point where you show no or very few symptoms. You need to be able to achieve the goal of never having to take off of school or work because of your condition. You have o achieve the goal of never having to visit the emergency room because of your condition. Can you achieve these things while smoking? Of course not.

If you want good rates, then Tampa FL smoker life insurance isn’t going to do it for you. You need to shape up and work to get better.

take care,

Fashun