I passed the series 6 and 63 on the first try with flying colors. They were easy! For some reason...I've been studying for the life exam and I CAN'T pass it! I have already taken it ...
I have medicaid and really need to get my eyes checked. Does medicaid (medikan) cover eye exams? Additional Details I got medicaid because I am disabed. I have every right to this ...
I was with the same insurance company for 10 years using the same local agent. My car insurance rates kept going up every time my policy was renewed. I decided to explore and see what better rates I ...
i got something from gerber that said i can get a policy for my kids that builds cash value, and doubles at age 21, it says that well, if i did it now while they are babies, it would cost around 50 a ...
I'm 31 with three children.
It's time I get a life insurance policy. I've done research but would like to hear REAL advice and suggestions from others who have life insurance. A...
No health insurance and there's an accident and now many medical bills, not long term and no permanent disabilities, but something that may accumulate to thousands of dollars in medical bills, ...
Having moved house in March 2007 i have just found out that having initially moved my house insurance over to the new property i am still paying insurance on the old property.
Swinton have told ...
My husband and I have United Healthcare Insurance. We have a $1200.00 deductible. We have a 25.00 copayment. I was told that we only have to pay the copayment to see a doctor, that they would cover ...
My wife had an accident last week. It wasn't her fault as the police saw. They can't fix the car because is more expensive than give us its actual value. Geico has offered us $3306 but we ...
long story, she hit me and she had no ins.Mine is taling care of it but body shop has did 5G's already on it and now they say the frame is (Diamond) and can't be repaired needs new frame,...
My father needs life insurance and has health problems. He needs something with low monthly payments, but will provide enough if he has a natural death....
The person at fault hit 4 parked cars an my car is damaged bad. I have a 2001 Grand am annd the other person had an 2005 camry with full caverage but only $5000 worth of coverage for damages. Now Im ...
Alex G
How long does one have to have stopped smoking to see a significant drop in life insurance premiums?
If you are/were a smoker, at what point do life insurance premiums for a quit-smoker equal that of a non-smoker?
1 year rule...for most....
at least that is what they say...
LifeInsuranceAgent
The rules vary by company but here are some guidelines:
http://www.lifeinsuranceadvisors.com/smokers-life-insurance.html
You need to be 1 year smokefree to get non-smoker rates. There is one company available that will consider you now for non-smoker rates if you are a cigaretter smoker.
For "Preferred Best" non-smoker rates - 3-5 years smokefree.
For "Preferred" non-soker rates - 1 year smokefree
snvffy
It may vary with the insurer Alex, but one things for sure. The lungs and eyes are the quickest healing tissues in the body. After 24 hours (I think) they say the lungs regain some of their lost capacity. And it just gets better from there.
Good Luck
jcollins_24
For most standard policies it is 1 year. To qualify for preferred or super preferred polices it is much longer, 5 years or more.
If you are not truthful, most blood and/or saliva tests will show you clear of nicotine and tobacco after quitting for 1 month.
jojo
1 year on mortgage protection insurance
MoniqueLise
I could be wrong, but I think that for some insurers it is as long as 5 years. That would make sense as I believe that in 5 years your risk of lung cancer drops to a comparable person who is a non-smoker.
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