Smoking: Low Life Insurance Premiums Go Up In Smoke

Smoking: Low Life Insurance Premiums Go Up In SmokeWhat you need to know about smoking at your Texas life insurance policy.

If you’re a regular smoker, smoking has become a part of your normal life. You may not think twice, then, about not mentioning it to your life insurance provider. The problem is that your provider can test for nicotine in your system, so you can’t hide your smoking history.

It’s in your best interest to be up front with your insurer about your smoking, but be advised that it will affect your life insurance. Depending on how long you’ve smoked and how much you smoke per day, your insurance provider will increase your premiums. That’s because smoking increases your risk for a number of health hazards, all leading to premature death.

The good news is that if you quit smoking, your life insurance premiums can eventually return to that of a non-smoker! Talk to your agent to find out how you could get more affordable coverage by giving up your bad habit.

Would you like to learn more about how smoking affects your Texas life insurance costs? If so, contact VGW Walker Insurance.