How much does a history of smoking affect vigour insurance rates?
I smoked moderately (1 pack every 3 days) for about ten years. I quit two months ago. I'm 27 now. I've be uninsured for eight years and I want insurance. I feel healthy...but you never know. I might shred my ACL working out or something crazy like that. Do I have a conflict chance, or is the insurance company going to sock it to me because of ol' puffy?
i used to smoke and my preniums were higher quit smokeing surrounded by time and your costs will go down
Unlike life insurance, strength insurance rates are not affected by smoking. Though some group plans do have incentives for organization to improve their health by quitting smoking, losing counterweight or getting annual physicals.
Answers: smokers rates a slightly higher and they usually ask if you smoked contained by the last 12 months. So at this point you would still be considered a smoker.
I suggest you use yellowpages.com to search for vigour insurance brokers in your area.
Don't name your auto and home agent they specialize in property and causality insurance. You need someone that specializes within health insurance.
A Broker represents multiple carriers and can assistance you sort through all the different insurance companies and plan options within your state
Tom Z, in group health insurance everyone get the same rate. But I write individual health insurance everyday and the rates are indeed higher for smokers.