Finding the Best medical Insurance quotes for people who smoke

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Every insurance company would dig enough to be sure that you are not going to die before they can get enough money to cover your policy value. That is why the smokers are charged with higher premium costs as insurance companies are well aware that smoking affects human's life expectancy and can be a cause of a person developing any one of the fatal illnesses in future. Thus even if you are not a chain smoker or smoke cigarette occasionally, you will be charged more for your life insurance cover.

The insurance companies classify even smokers differently placing their policies in categories like heavy or moderate smokers depending on how much they smoke. People, who are classified as moderate smokers, often have lower premiums than people who smoke heavily. The insurance company decides if they classify based on amount you smoke, or just that you smoke at all. One company may consider you as a heavy smoker and the other may take you as a moderate smoker and give you lower rates.

There are more categories of classifications like if you are a smoker, and otherwise healthy, you will most likely fall into the "preferred category". Or if you have recently quit smoking, you may fall into the non-smokers' category. This all depends on the insurance company and what their framed rules are. Some companies offer smokers graduated premium scales, with rates that go down gradually. The longer a person remains free of tobacco, the chances are that you will reach non-smoking status within one year.

Since the rates are always higher for smokers than that of non-smoker rates, it is important to get the lowest rate insurance with the best life coverage. Shopping around for the best policy and looking at different companies, and the rates they offer, is the best way to find one that is right for you. Even if you are a smoker, you can get a good online insurance quote; it is just a matter of looking in the right insurance company.

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