If I Quit Smoking Pot A Month Ago Can I Claim Nn Smoker Status On A Insurance Form

The insurance company may request another medical exam.

If i quit smoking pot a month ago can i claim nn smoker status on a insurance form. If the monthly premium for a non smoker is 500 per month it will be upwards of 600 for a smoker. I quit on 06 18 18 my 49th b day been a heavy heavy smoker since 13 on day 4 now i have all the problems and no support i miss being able to kill day after day year after year in a haze but i must see if i can get out my front door and actually live so far still in the house but i am hopeful that the door will open and i will live. When the smoke is removed the constriction will start to cease resulting in lower blood pressure pulse rate and your body temperature will start to. Being classified as a smoker when you apply for life insurance isn t a life sentence.

Applicants must have refrained from smoking cigarettes for at least 12 months to qualify for nonsmoker. Other ways smoking costs you money. If you plan to quit you get standard nonsmoker rates for the first three years of the policy. If you quit and remain smoke free for 12 months a life insurance company will consider you a non smoker.

The health insurance companies face a double edged sword when it comes to insuring smokers. With so many health benefits of quitting smoking the time to quit is now. Increases in tobacco related behavior and disease definitely impacts the cost of smoker health insurance for women. If you lie about smoking the health insurance or life insurance benefits for you and your family may be at stake.

That period of time is usually six months or one year. In some states lying about smoking for insurance purposes is a material misrepresentation just like lying about. Cigarette users may be motivated to lie in order to obtain either a lower health insurance premiums or b maintain eligibility for life insurance policy or rates. You can then apply for a non smoker policy with a reduced premium.

If you are a heavy smoker your body will immediately realize when the chain smoking cycle is broken. You can start by making a plan using resources from the centers for disease control and prevention and talking to a. Many insurers will want you to quit tobacco for at least a year before considering you a nonsmoker. No matter which tobacco product you use some providers will charge you more for life insurance if you admit it.

The average cost of a pack of cigarettes in the u s. This is because tobacco smoke causes the reactive constriction of blood vessels in the body. Your insurer may re classify you as a nonsmoker if you re able to kick the habit for good. But smoking has been known to cost people dollars through more.

You will likely need to sign a declaration form stating you have been smoke free for 12 months and you may need to have a urine test to confirm it.