Life Insurance Leads Honolulu Hawaii HI
Reader’s Question:
I could call myself a chain smoker, as I have smoked heavily for years and I am a bit hesitant to get life insurance because I know they’ll charge me with super – high premiums. Is there any possible way that I can cut down on the premiums even if I can’t cut down smoking? I’m planning to get a life insurance policy here in Honolulu Hawaii HI.
Kim
Honolulu, HI
Hi there Kim! The decision to get life insurance policy is a good one, especially because you are a smoker. Although life insurance companies in Honolulu Hawaii HI will charge you with higher premium rates, you and your beneficiaries will be well protected incase anything happens to you (which is a high probable risk because you do smoke, and smoking causes a lot of health complications).
However, a lot of life insurance companies now take into consideration that a lot of smokers, over the course of their smoking life, decide to stop. This is why the companies give huge premium discounts to policy holders who show sufficient proof that they have quit, or at least – are trying to quit.
For example, if you smoke a pack a day, cutting down to ten or fifteen sticks can really make a difference in your premium rate. The thing is, quitting doesn’t only help you save up on your premiums. It also helps you save your life.
Even if you haven’t completely quit yet, your life insurance company in Honolulu Hawaii HI can monitor your smoking habits and can check you up for any health improvements brought about by lowering your stick count.