Reader’s Question:

I’ve been trying to kick the habit of smoking for years now because I want to apply for life insurance in Jacksonville Florida FL. Unfortunately, I still haven’t gotten around to it. Can I just tell my insurer that I am in the process of quitting? Will I still be charged higher fees?

Christy

Jacksonville, FL

I don’t know Christy if the old cliché “it’s the thought that counts” counts in this case. Until you have really kicked the habit, you will still fall under the category of smoker and will be subject to a smoker life insurance which in Jacksonville Florida FL(and other parts of the world, too) definitely calls for higher fees. But don’t stop trying, Christy, because there are also rewards even when you have not yet abandoned the habit and have just reduced nicotine intake little by little. This is so because smoker life insurance has three categories, depending on how much cigarettes you consume on the average. The three categories are standard, preferred and preferred plus. As you reduce the sticks of cigarette you consume, you will also have the chance to be reclassified from standard to preferred and from preferred to preferred plus. And to better prepare you, let me also tell you now that reclassification will involve a holding period, which varies from one insurer to another in Jacksonville Florida FL. Holding period is the minimum time required of you to maintain your new nicotine consumption behavior, after which you will be reclassified and subsequently will have reduced premiums. You can say in this case, Christy that “no good deed remains rewarded”.

To check how much smoker life insurance in Union City costs, you simply type in your zip code on the blank space you see on this page.

Tags: cheap smoker insurance, life insurance leads, smoker life insurance