Finding cheap smoker term life insurance is certainly possible if one is willing to put in a little time and effort. While it is general knowledge that smokers will pay higher life insurance premiums than non smokers it is not commonly known that smokers can find cheap life insurance rates of their own if they search around. Read on to find some ways to find affordable smoker term life insurance rates.
Life insurance in America is not a common thing. This may be due to the fact that these kind of insurance, unlike the other ones is associated with age and the needs that a person have when they are about to die. Unfortunately for the everyday American, life insurance is not being purchased that much by the public when in reality is a very important thing to have voopoo drag 2. Life insurance protects a person or a family from the death of a significant other, husband, dad or head of the household. It is because of the word “death” that many young people don’t have this significant insurance in their lives. Most Americans don’t think that they will die young and because of this they evade life insurance, it may be because it scares them. The fact of the matter is that a young person should think things twice and purchase life insurance to protect the people that depend upon them.
There are simply steps that you can take when trying to purchase a smokers life insurance policy. Before telling you the steps it is important to highlight that there are two main types of life insurance: term and permanent. Term life insurance is simply a contract made between a company and a person in which the company allows the person to pay premiums for a certain period of time (usually ten or twenty years). If the policy holder dies within those years then the insurance company will have to pay for the amount of money that the policy is worth. On the other hand permanent life insurance is a contract agreement FOR LIFE, in which you pay significant premiums that become savings and at the time of the policy holder’s death the beneficiary will take the saving dollars and use them at their own expense.
Term life insurance is what most people get nowadays because it allows them to pay lower premiums, while still being covered for the “risk” of death. Although finding cheap term life insurance is not that hard, there are five steps that you should follow in order to get the policy that you have always wanted
With the new law that has come in the past 18 months, where no one can smoke in a “closed public areas” such as a pub, office or restaurant, this forced businesses to look at how they operate their business.
Since the recent recession hit, 1 UK bar closes every day due to lack of customers and this has the industry thinking, “how they can keep their customers longer and make more money from them?”
An independent pub realised that with the new football season approaching in September 2008 that they would put a TV outdoors, for the customers who smoked. This worked well as the pub already had an external smoking shelter. So they pondered the idea to put a waterproof TV out side, the televisions that were used were 42″ LCD and IP65 (waterproof – washed down with a high pressure water jet). When the quotes came in the prices ranged from £3,899