| Message |
Author |
|
 Posted: Tue Oct 18, 2005 9:16 am Post subject: When would they consider me a non-smoker ? |
|
|
How long it will take to be considered a non-smoker after quitting smoking, from the viewpoint of insurance company? Can anyone have any idea?
_________________
Register Now to have your Insurance queries solved. |
|
skeleton
Guest
|
|
| Posted: Wed Oct 19, 2005 5:39 am Post subject: insurance for smoker |
|
|
So far I have the knowledge it will take a year for more than 95% cases. |
|
evan
Moderator
Joined: 01 May 2005
Posts: 1276
179.49 Dollars($)
|
|
| Posted: Tue Nov 29, 2005 8:35 am Post subject: insurance for smoker |
|
|
It is worth to be mentioned that a smoking person can receive an outstanding price on the life insurance policy. As for example a 42 years old male smoker got the standard rates $250,000 for 20 years term life policy.
_________________
Register Now to have your Insurance queries solved. |
|
page5
Guest
|
|
| Posted: Wed Oct 17, 2007 7:22 am Post subject: smoker definition |
|
|
i want to know when we consider this person is smoker or not
_________________
Register Now to have your Insurance queries solved. |
|
kholoud
Guest
|
|
| Posted: Wed Oct 17, 2007 12:18 pm Post subject: Smoker or Non-Smoker |
|
|
First of all we appreciate the question. Many insurance companies have changed the term "Smoker or Non-Smoker" to "Tobacco or Non-Tobacco".
The difference here is that now this term may include all tobacco products like, smokeless tobacco, cigars, and even nicotine patches and gum.
Normally when a urine specimen or mouth swab is obtained by an insurance company in connection with a life or health insurance application, the one thing they are looking for is nicotine. If it shows up, you are a tobacco user. Many companies require a period of one to two years without any tobacco use for a person to be considered a non-smoker or non-tobacco user. The best thing to do is to check with your insurance agent to determine his company's requirements. |
|
InsuranceMaze
Community Contributor
Joined: 16 Oct 2007
Posts: 582
24.10 Dollars($)
|
|
