How to Find Low-Cost Insurance as a Smoker

Getting a life insurance policy is a smart financial move that provides your family with protection should something ever happen to you. What you pay for a life insurance policy depends upon a variety of factors, including your age, your sex, and your health. Another major factor in how much you pay is if you’re a smoker. Smokers pay significantly higher rates than those who don’t. That doesn’t mean getting a life insurance policy has to break the bank.

How Much More Does a Smoker Pay?

It’s no surprise that smokers pay a higher rate for life insurance than non-smokers. Individuals who smoke are more likely to pass away sooner than those who don’t, making them a bigger risk to insure. What does come as a surprise to many smokers is just how much more smoker’s rates are. The rates vary from one company to another, but smokers can generally expect to pay 30% to 50% more than non-smokers for the same plan.

Be Honest About Smoking

When applying for a life insurance policy, it’s important that you’re upfront about your smoking habit. You’ll be asked a series of questions, one of which will ask about your smoking (or tobacco) use within the past 12 months. Many life insurance policies will also require a medical exam, during which you’ll have a blood test and a urine test. Tobacco will show up on these tests. If you lie about your usage, it can result in an alteration of your policy or cancellation of the policy completely. Some people look into the lower cost final expense insurance if they smoke.

Get Several Quotes

You don’t have to settle with the first life insurance provider you find. There are numerous companies out there. You may have seen a few advertised on television. You may have received a few letters in the mail. If you perform an internet search, you’ll find many more you might have never heard of before. Get quotes from several different insurance providers. You’ll notice that even though you provide the same information to each company, your quotes will vary. Getting several quotes will help you to compare coverages and price so that you can get the best policy for the best price.

Quit Smoking

Quitting smoking can help you to significantly lower how much you pay for your life insurance policy. You have to be smoke-free for at least 12 months, however, in order to qualify for non-smoker rates. This doesn’t mean that you should delay getting life insurance coverage. The longer you wait, the more expensive coverage becomes. You’ll pay more for your policy as a smoker, but it is possible to lower your rates later. When getting quotes for a life insurance policy, be sure to ask about getting your rates lowered should you quit smoking. Quitting smoking can be hard, but your life insurance policy can provide you with additional motivation to finally ditch the habit. After you’ve been smoke-free for 12 months, contact your insurance provider and ask to take a new medical exam. After taking a new medical exam, which should show that you don’t have any tobacco left in your system, you’ll be able to qualify for non-smoker rates.

Life insurance is one of the most important financial moves you make for your family. You’ll pay higher rates as a smoker, but that doesn’t mean you should delay getting coverage. Shop around and get quotes from different insurance companies and make sure that you ask them about lowering your rates after you quit.

How smoking is disturbing your body

This smoking habit kills around 208,000 people a year by causing the most sensitive heart and circulation (cardiovascular disease) diseases. Statistics say that quitting smoking is the best step that you can do for the safety of your heart health. Because the chances of a heart attack are almost twice for a smoker than a non-smoker.

The different way of killing heart by smoking:

Summarization of different research regarding smoking is that nicotine is the more effective reason for high pressure and increasing heart rate where others are seeming to be of minor importance. Its inciting body to produce adrenaline, which anticipates the heart beat faster and raises blood pressure and make hard for the heart to work. Increase in cardiac output and total peripheral vascular resistance is occurs due to the rise in blood pressure.

Smokers, having diabetes, also have a substantially increased risk of developing diabetic kidney disease. Type 2 diabetes has a four to five times greater risk of developing serious problems with blood circulation and confined vein can be the reason for heart problems.

Respiring secondhand smoke is the reason for those cells in the blood that are responsible for clotting (platelets) to become clingy and raise the chances of making blood more likely to clot. And this clot may block an artery, provoking a stroke or heart attack.

During pregnancy, smoking can cause a different type of additional health problems, also cause premature birth, the death of a baby and certain birth defects. Smoking also creates a problem in getting pregnant for a woman. Pregnant women can be the victim of miscarriage for smoking in this period. Smoking during and after pregnancy is the risky part of Sudden Infant Death Syndrome (SIDS) and it’s an infant death for which the reason of the death cannot be found.

The vapor of different cigarette mix with bloodstream by smoking and affect our entire body. That’s why this may cause different disease also with dangerous 15 types of cancer. Where lung cancer survivals are rare among all cancers, smoking effects this more. It also increases the risk of mouth, pharynx (upper throat), nose and sinuses, larynx (voice box), esophagus (gullet or food pipe), liver, pancreas, stomach, kidney, bowel, ovary, bladder, cervix cancers.

Overnight cigarette smoking is associated with lower brain activity in the left dorsolateral prefrontal cortex (L-DLPFC) during a high demanding working memory challenge. After inhaling nicotine its trigger human brain with a number of chemical reactions that may create short-term feelings of pleasure for the smoker, but these sensations are short-lived and depraving within minutes. Different studies show that brain structural and blood-flow abnormalities symptoms are visible in chronic smokers.

Scientists are finding out that nicotine affects one of the central nervous system parts called the hypothalamic melanocortin system by waking up a certain set of receptors. The receptors then activate pro-opiomelanocortin or POMC neurons which is a set of neurons and this put down the urge to eat.

This smoking arises the cholesterol and unhealthy fats rate in blood and leads to an unhealthy fatty position. These fats can block the walls of your arteries or narrow the arteries and it stops the normal blood flow to the heart, brain, and legs. Blockage in the blood vessel can cause amputation of toes or fees or any nerve of the body.

There have thousands of disease that causes by smoking but only one habit of quitting smoking can save you from those thousands disease. So, from now, this should be the motto of everyone to keep body fit by giving a bye to smoking.

7 Smoking Habit Alternatives Help You to Stay Healthy

Smoking has become one of the dangerous activities that provide addiction to most of the people across the globe. One should know that the people who all are around the smoker might also be affected by respiration problem. Also, it is possible to damage your lungs as well. However, on the other side, many of the smokers trying to quit this severely addicted activity but hardly tough for them to get relief.

As we, all know many diseases, which may occur if you smoke on a regular basis. For example, the deadly disease like cancer may attack you in a short span of time. In addition, it will turn your blood into impure, slow down the heartbeat rate at a certain level of a point, hard to breathe once your lung gets damaged and more. These are the issues will occur once you start to smoking.

According to the survey, there are 22 % of people who addicted to smoking have lost their lives across the globe. To those smokers, we are requested to follow some of the healthy tips which may relief you soon. For those people, here we are providing seven smoking habit alternatives which help you to stay safe and healthy. In addition, with the aid of best e-liquid, smokers can get a way of quitting their smoking habits. Let’s have a look at alternatives which helps the smokes to quit their smoking habits smoothly.

  1. Herbal cigarettes

In rural areas, these are the only cigarette that dominates. Like a regular cigarette, it is also almost similar in terms of containing tobacco. But one must know that the “nicotine” which often causes the issue like central nervous system problem is not available. So, this could be one of the best options to use as an alternative. However, it will help the smokers to stay away from more addiction towards nicotine filled cigarettes. This stuff makes you stay pretty much healthier than you expected.

  1. Hypnotherapy

It is all about the psychological treatment, which is mainly lead over tobacco. You could see many counseling sessions are conducting for the smokers that who all are addicted to it. Here the instructors especially help the smokers with an alternative solution by controlling their mind. This kind of treatment will help to stay away from constant smoking.

  1. Changing priority level

If you are a smoker who smokes some cigarettes a day, then here it is a chance to get rid of regular smoking. First, you need to bring the priority over other stuff rather than going for cigarette smoking. For example, focusing on your work makes a diversion from the constant level of smoking. So, you just need to fix one of two cigarettes to smoke a day apart from doing your work. It will help you largely and brings out the best outcome.

  1. Monitoring your health

After the constant level of smoking, monitoring your health is always important. This stuff will bring you more aware. With the regular health monitoring from medical care may help you to get more awareness about your health. At last, it will also bring the solution in terms of quitting your regular smoking at a certain period of time.

  1. Standup with meditation

It is one of the powerful tools that help to control your mind instead of diverting towards smoking. People who all are seeking for the meditation, it is effortless to learn. It is almost like exercises that you need to get deep breathe inside and release it which often brings you calm, peace and stress-free. Once if you are involved with meditation, then there is a lot of chance to get away from smoking.

  1. Switch to electronic cigarettes

In a current trend, electronic cigarettes are gaining more popularity among the smokers. For your information, this electronic cigarette is coming for sale as tobacco-free. This thing leads to best outcome among the smokers. Also, it is considered mainly as less harm. So, it is the best alternative for tobacco filled cigarettes.

  1. Use E-liquids

Using best e-liquid is also helpful to quit smoking. Different e-liquids are available in the market to purchase. It is primarily coming up with various flavors that help to satisfy all smokers. In terms of ingredients in e-liquid, there is no nicotine added with tobacco. It means e-liquids are proven to be less harmful to your health. So, instead of addicted to cigarettes, jump into e-liquids will satisfy you all for sure.

If you wish to quit your smoking, then go for best alternatives mentioned above. To keep your safer health, quitting the cigarettes and involved to best e-liquid is essential. However, it is all up to you to live your life peacefully.