Smoking cigarettes is one of the worst habits that you can have—particularly because of how difficult it can be to quit. Smoking is awful for your health. Research shows that smokers are twice as likely to have heart disease as non-smokers, and smoking or use tobacco has also been associated with a number of cancers, respiratory diseases, Alzheimer’s disease, and more. As if this isn’t incentive enough to urge you to quit smoking, did you know that smoking cigarettes can also have a negative affect on your insurance rates?
Here’s something to think about: smokers can pay up to three times the life insurance premium of a non-smoker. While some smokers see this as lifestyle discrimination, the facts are undeniable. The average smoker dies a full 25 years earlier than the typical non-smoker, so it only makes sense that their life insurance premium would be higher.
So what’s the technical difference between a smoker and a non-smoker? According to the majority of life insurance companies, you’re not a true non-smoker until you’ve been free of tobacco use for a full year. At this point, you can qualify for a standard life insurance rate, and if you can abstain for three years, you might be able to qualify for preferred rates. Stay away from tobacco for a full five years, and you could even get the best rates available—preferred-plus rates.
But how are the life insurers going to know if you smoke occasionally? Well, when you sign up for a life insurance policy, you will undergo a urinalysis, which will look for the presence of tobacco. If you’re able to quit smoking for a couple of weeks in order to pass the urinalysis, and then later on you pass away due to a smoking-related illness, your claim would most likely be denied, meaning that your beneficiaries would be left with absolutely nothing.
Now that you know the facts, are you ready to quit smoking?
Katrina Robinson is a freelance writer who covers a wide range of topics ranging from finances and online insurance quotes to lifestyle and diet.

Smoking, for many people, is a vice that will generate major problems (especially health). Some people want to get rid of the cigarette, but do not know appropriate ways to stop smoking. There are numerous methods that assure us that we can stop smoking in a few weeks without, in any case, our strength of will. The best known are the pills and special medications, patches, gum and candy nicotine , and others. While some find it difficult to stop smoking without help of any artificial element is something that is available to anyone. The most important thing is to know the safest way to do it naturally (and mostly without unwanted side effects).
Although there is no binding relationship between snuff and overweight, the truth is that many people tend to earn some extra kilos when they quit smoking. If you’re in this situation, do not worry: just follow the following tips to say goodbye to snuff without fear of the scale.
Every smoker has his reasons for wanting to quit smoking.


