When would they consider me a non-smoker ?

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PostPosted: 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?


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PostPosted: 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.

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PostPosted: 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.


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PostPosted: Wed Oct 17, 2007 7:22 am   Post subject: smoker definition  

i want to know when we consider this person is smoker or not


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kholoud
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PostPosted: 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.

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