Smoking is dangerous, it affects your insurance cost !!

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PostPosted: Sat Mar 01, 2008 7:46 am   Post subject: Smoking is dangerous, it affects your insurance cost !!  

Hey guys!



Do you know.....

Quote:
In the last few years, cigarette smoking has resulted to more that 400,000 death .




And this has led to to the increase in Medicare costs as well. And this is why shortly some companies are increasing insurance cost for smokers....thy bear more risk from the smokers.


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sil
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PostPosted: Sat Mar 01, 2008 7:48 am   Post subject:   

Last week i wanted to extend my home owner policy....the agent asked me

"if i smoke?"

Is that for such a reason?


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Samuel
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PostPosted: Sat Mar 01, 2008 7:51 am   Post subject:   

Hey guys!



My girlfriend a more amount of premium for her health insurance because she is a chain smoker....Now she is trying hard to control it Smile


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Roxy
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PostPosted: Sat Mar 01, 2008 8:07 am   Post subject:   

this sounds truly appropriate Smile

I'm sure this is gonna keep a check on the smoking habit & its ill-effects. Ultimately that will reduce the smoking budget on a monthly basis, thereby saving loads of cash each year for the other domestic exp. headings. Am I right guyz!


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staycloser2$$
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PostPosted: Sat Mar 01, 2008 8:46 am   Post subject:   

Quote:
And this is why shortly some companies are increasing insurance cost for smokers....thy bear more risk from the smokers.




They are absolutely right in doing so.

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Caroline
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PostPosted: Sat Mar 01, 2008 11:48 am   Post subject:   

I think they should do more in helping people quit, it is truely an addiction that most people find very hard to overcome. It would be a wise investment on their part to provide help in quitting smoking.

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PostPosted: Sat Mar 01, 2008 2:17 pm   Post subject:   

We're driving down I-10 at about 75 mph in bumper to bumper traffic, when suddenly the entire firey end of our cigarette falls between our legs.

Our first impulse is to jump out of the car, but there is no where to go, not good for a person with a heart condition.

We've not only ruined our nice leather seat and a good pair of pants, but we could possibly take out that 2008 red Jaguar directly in front of us.

This is why auto insurance rates are higher for smokers.



A long day in meetings, a disgruntled boss and finally at 10:30 pm, we get to go home. We pass up dinner and go straight to bed. In our semi-conscious state, we want just a couple of drags off one more cigarette, so we light up. The last thing we remember while we are standing in front of that flaming inferno is putting that cigarette in the ashtray on the nightstand.

This is why homeowner's insurance is more expensive for smokers.



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PostPosted: Sat Mar 01, 2008 3:45 pm   Post subject:   

Cigarette smoking definitely contributes to the higher rates for life insurance that smokers pay.



If they could get help for their nicotine addiction, they would not only save money on the cigarettes they are no longer buying, they would save up to 50% or more on their annual premiums for life insurance.



Not to mention the increase in longevity, and the ability to be more physically active. Somehow there should be a much stronger move nationwide toward decreasing obesity in children, and improving healthcare for people with addictions.



These efforts would have a big impact in the long-term on costs associated with healthcare, life insurance, prescriptions, etc.



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PostPosted: Sat Mar 01, 2008 5:26 pm   Post subject:   

The only way to really quit smoking is to STOP SMOKING!!



First, you have to find a deserted island somewhere in the Azores where you can go and stay for about 6 months.



Anyone who has never smoked has no remote idea of the difficulty in kicking this addiction.



The bad part about all the "Stop Smoking" remedies is after we have been using them for a few months, the FDA tells us that they make us suicidal or they cause cancer.



The best way to stop is to find a good reason to stop - to see our kids graduate from high school, or our grandkids graduate from kindergarten, or to take our spouse somewhere special on our 25 wedding anniversary.



"Snake Oil" just want do it, unless we want it to!!



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PostPosted: Sun Mar 02, 2008 4:35 am   Post subject:   

No, NO, NO; Smoking aside, I've got a better one for you.



Cell phone distraction causes 2,600 deaths and 330,000 injuries in the United States every year, according to the journal's publisher, the Human Factors and Ergonomics Society.



A new study confirms that the reaction time of cell phone users slows dramatically, increasing the risk of accidents and tying up traffic in general, and when young adults use cell phones while driving, they're as bad as sleepy septuagenarians.



If you put a 20-year-old driver behind the wheel with a cell phone, their reaction times are the same as a 70-year-old driver who is not using a cell phone," said University of Utah psychology professor David Strayer. "It's like instantly aging a large number of drivers."



I'm going to laugh at the next 20-year old girl I see chatting away on the phone while in rush-hour traffic because I know that my grandmother is a better driver. No wonder young girls pay so much for auto insurance - because when they're on the phone, they have the reflexes of a 70-year old.



http://www.livescience.com/technology/050201_cell_danger.html



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PostPosted: Sun Mar 02, 2008 5:20 am   Post subject: insurance  

Great points ya'll!!! What about drinking and driving? Your 'reaction' times are HORRIBLE, and if you have a passenger, and get into an accident...LORD KNOWS what can happen!!

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PostPosted: Sun Mar 02, 2008 12:06 pm   Post subject:   

I agree that all three, smoking, cellphones and drinking & driving are ways to increase your insurance, along with many others. I think the health insurance industry should be doing more to help people with nicotine addiction, they will help with just about anything else and here in pennsylvania, they tax the crap out of cigarettes and the money supposedly goes to help those who don't have health insurance, so why are they not helping us quit.

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PostPosted: Sun Mar 02, 2008 3:42 pm   Post subject: insurance  

I live in PA, too. If you want 'decent' insurance ( Life, Health,etc.) you need to be in the 'best of health..it seems like. I DO smoke. However...I have car Insurance, from Nationwide and my smoking doesn't seem to 'reflect negtively' on my payments. Of course, ALL is 'looked upon' ( age, driving record,etc.). Life Insurance, for me, is a different story. I've researched different companies....extremely high quotes!!

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PostPosted: Mon Mar 03, 2008 2:53 am   Post subject:   

Crazy isn't it, with all the money that rendell has taxed my cigarettes every pennsylvanian should have free health care. I started buying them online and got a fat bill in the mail for them too from the department of revenue, I sent them a dispute letter, they have tried to call while I am at work so I have not been able to talk to them about it yet.

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PostPosted: Mon Mar 03, 2008 3:43 am   Post subject: insurance  

"Free Health Care?".............I agree, but, I don't see that happening any time soon. LOL I just looked up Blue Cross/Blue Shield. Gosh!!....their quotes, just for an 'individual' is REALLY high. What about 'Low Income'.....................it seems like 'Low Income' families have to 'bear with what they have' ( Access Card) or go with no insurance at all.

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