Smoker Life Insurance Rates Tampa Florida FL
Reader’s Question:
I have been a heavy smoker for years and I dread to get a life insurance because I am pretty sure they will let me pay very high premiums. Is there any way I can cut down on life insurance premium since I can’t cut down on smoking. I am planning to get one from Tampa.
Anton
Tampa, FL
Hello there, Anton.
It is one of the most practical options for you to get a life insurance especially that you are a smoker. Life insurance companies will normally charge higher premiums for smoker because cigarette smoking causes a lot of complications to our body.
However, most life insurance companies also consider the fact that not all smokers decide to stay smokers in their entire lifetime. That is why most life insurance companies in Tampa Florida FL offer a substantial discount for most smoker life insurance policy holders the moment the smoker can give ample evident that he has quit, or at least has made simple steps to cut down on smoking.
Here are a few examples I can give you on ways you can get discounts. If you are smoking 20 sticks regularly, why not consider cutting down to 15 per day? If you can bear with that, then you can eventually cut down a little more to 10 daily…and so on and so forth, until such time when you are ready to quit.
Even if you have not quit yet, the life insurance company you are with in Tampa can check on your efforts and can have you checked up for any improvements in your health brought about by lowered nicotine in your body.
Simply put, it is a matter of prioritizing your health and guarding your pocket from high insurance premiums. Quitting is not really for anyone else but for your own sake.