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Smokers Insurance

†Often smokers get penalized when after insurance in order to protect themselves and their family. This is because tobacco and related products of the so-called smokers are considered high risk people. On average, smokers insurance come rated higher than the average non-smoker insurance.
†The companies can make it very hard, almost impossible, for a smoker individual to get insurance. At times, the smoker insurance can be rated the same as a regular term life insurance, or even cheaper than those. But this is not a rule of thumb. Researching in the market board is always recommended.

 What makes difficult to a big insurance company is to classify smokers insurance according to individual frequency rate in smoking. Some life insurance companies divide smokersí insurance plans in two or three levels. They can have both the moderated smokersí insurance and heavily onesí plans. The number of cigarettes smoked per day is used as criteria.
 To reduce premiums and thus offering more affordable smokers insurance, a few companies have established specialized groups or even specialized companies to take care of this group. With such a reduced number of customers it is easy to classify and manage the risk involved rather than with a wide range group. These programs, specific for nicotine users, come cheaper.
 The smoker is a big niche and it can not be forgotten. Smokers insurance is designed to fit these group needs and so-provided them the life insurance coverage that they need at fair rates.

Smokers Insurance Resources

Smoker Ins
Provides quality term life insurance for smokers at low prices.

Life Insure
Find affordable smoker life insurance quote and rates online.

Budget Life
Article listing the top fifteen smoker life insurance companies.

News about Smokers Insurance:

Kids&39; health insurance changes may affect all
On 08-06-2007.
The House version of the legislation -- supported by only two of the state's nine House members -- would redirect Medicare money to the program by scaling back federal payments to private insurers that offer an alternative form of Medicare coverage. That could change coverage options available to seniors, although those in the traditional Medicare program could get better care. It also could cut into the profits of ...
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Senate Passes Child Healthcare Bill
On 08-04-2007.
The U.S. Senate has passed one bipartisan bill providing health insurance for millions of children in low-income families.
The bill would increase spending on the popular Children's Health Insurance Program by $35 billion over the next five years.

The vote to pass it Thursday was 68-31 and the majority was more than enough to overcome the veto threatened by President George W Bush, who has criticized the ...
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