Life has a lot of wonders. Amongst them you can find cigarettes. A
cigarette is a wonderful little thing filled with nicotine, tar, carbon
monoxide and hundreds of other life-threatening substances. Teens and
youngsters love to smoke, because they feel that with a cigarette in
their hand they suddenly become rebels. Their cause is to smoke until
they finish high-school. And then, until they finish college. And so on
and so forth, until smoking kills them. But what can one do? The tobacco
industry has to earn a living in one way or another.
This is a
former smoker typing. I was a pack-a-day smoker for about four and a
half years, and I know how much nicotine has taken its toll on me. I'm
still struggling to regain my physical abilities which were tore by
smoking (breathing, for example) and all I can do is say thank God that
I've finally quit. All smokers known that tobacco usage kills. It's
written all over cigarette packages, yet they don't really perceive the
message properly because they always live with the illusion of quitting.
That's the big hoax of nicotine usage: you dream of quitting, yet you
never do if you keep postponing it. The only solution is to quit NOW. Is
the message getting through to you? NOW.
On a more practical
note, let's think about insurance. If the thought of your respiratory
system slowly failing and becoming infected doesn't get through to you,
maybe the incredible financial loss you could be the subject to will. As
you know, insurance is purchased in order to protect families against
financial loss and damage. Once the insured dies, his beneficiaries are
entitled to receiving the death benefit: a lump sum of money which has
been paid for over the years by the means of insurance premiums.
Here's
the ugly part for smokers. The cost of insurance is calculated based on
numerous factors such as age, gender, health condition and tobacco
usage. Insurance companies are well aware that smoking kills and are
ready to protect themselves against the risk of you dying on them and
taking their money. That's why you, as an insured smoker, would have to
pay premiums almost three times higher than those of a non-smoker. For
the same amount of coverage. Pipe smoking, cigar smoking, the occasional
puff, nicotine patches - they all count as tobacco usage in the
insurance industry, and they will all make a great hole in your pocket.
The
best way to drop your rates is to stop smoking. Also, some companies
differentiate between social smokers and a pack-a-day smokers. Compare a
lot of rates and make sure you buy the most affordable and efficient
life insurance policy you can find. Book an appointment with a
professional and ask him for further guidance in this direction.
Visit our website! and get hold of useful information about insurance for smokers and free life insurance quotes.
Article Source:
http://EzineArticles.com/?expert=Ana_Iliescu
