Smoking is now thought as a serious negative to our long term health. This effects our options and price we pay to protect our families with Life Insurance.
As Golden Rock Solution says "all the Life insurance providers are different AND they keep changing their terms and conditions!"
For those families which smoke and use nicotine products they pay on average +40% more for their life insurance for this smoking habit. That's either Vape, roll ups or cigarettes or nicotine gum - any Nicotine product!
When applying for Life Insurance the application questions "do you smoke and use Nicotine products" will be asked to factor this risk and give the correct Life insurance for family. The Life insurance providers used to ask: "have you been a smoker or used nicotine products in the last 12 months?" However now more and more of the providers are switching to "have you been a smoker or used nicotine products in the last 5 years"
Not all providers ask this at the moment which could literally save huge amounts of monthly money for families. In addition to this some Life insurance providers recognise that we may want to stop smoking so REDUCE their premiums if we do (needing 12 month no smoking) This is without re-application again saving circa 40% per month for families!! terms apply - Not all life insurance companies do this as they may us re-apply older!
Golden Rock Solutions would like to see if we can help with FREE information to protect you and your family that's if you are a smoker and have life insurance or looking for life insurance as a smoker (even social smoker)
Please get in touch for more info
