 Who is responsible to pay the deductible? |
| Has anyone ever heard of this before? He hit another car and the other car hit a parked car. Someone told him he had to pay the other two parties deductible. Does that sound right to you guys?... |
|
 Higher Insurance for 2 door or 4 door? |
| Okay, my friend is thinking about purchasing a 2007 Pontiac G6, but she wants the GT Coupe 2 door model. My question is, would the insurance be significantly (pay attention) higher. to buy a 2-door GT... |
|
 Whats a good cheap health insurance for a college student needing ADD medicine with a min wage job? |
| Like I said I only have a min wage job, and I completely support myself. I desperately need ADD meds, but I have NO health insurance. I need to be able to afford the health insurance too. I am a ... |
|
 Will my seat-blet ticket effect my insurance? |
| My old cars seatbelt is out of order but since I was getting late for work I couldnt wait for my husband to drop me off in his car. Thats when I was pulled over and slapped a $25.00 fine for not ... |
|
 Professional Indemnity Insurance? |
| Can anybody tell me the difference between Professional Indemnity Insurance and Liability Insurance, I am a business who goes into offices to work and I have Liability Insurance and I've been ... |
|
 Which are the best reliable life insurance company? |
| I am looking for a competitive life insurance offer from a top-rated company. I am an expat working in Saudi Arabia.... |
|
 Concerning car insurance, why would your credit score effect your premium? |
| why on earth would your credit score have an effect on how much a person pays for car insurance? i was told by independant that my rate would be lower if i had had a more "favorable" credit ... |
|
 How much does an auto insurance agent get paid? |
| ..so i was wondering going into the field of auto insurance and what would be the dollar premium that an agent get paid or the minimum...just received my license so i think thats pretty much it..i ... |
|
 Car wreck - insurance company wants to low-ball me? |
| My van (1990 Plymouth Voyager) was hit by a little old lady in a parking lot. The repairs are $2500 and the insurance company wants to give me $800 dollars because they say a comparable van in Idaho ... |
|
 What will my health insurance company do regarding my coverage after I reported my preexisting condition? |
Read for background:
http://answers.yahoo.com
I reported to my health insurance company that I had a preexisting condition that wasn't ... |
|
 What kind of questions should I ask at an insurance sales interview? |
| I have an interview with All State today. An independant agent called and asked if I would be interested in working alone with him. Two Man Team. Huge opportunity!!!... |
|
 Health insurance question, please help!!? |
| I am 18 years old. I currently have health insurance through my employer and it doesn't seem all that great. I pay $57.07 a week. This is my first time having insurance on my own, and to me, ... |
|
 Life insurance Help.? |
| I am 18 years old and i have a two year old daughter. I want to take out a life insurace policy but my family keeps saying im dumb. I am only doing it because i want my beautiful daughter to be taken ... |
|
 Why is home insurance so expensive in Warren, Mi? |
| I'm looking into buying a house in the area, around 8 1/2 and Mound and the cost of home insurance is about twice that of comparable areas. Why is this so? Is there a high crime rate I should be ... |
|
 Are the national insurance numbers in the uk, related in any way to where we're born or live? |
What I mean is that in the us social security numbers first three digits relate to the states in which they're issued, is it the same here.
Additional Details
If not, do they ... |
|
|  |
Clara | Life Insurance for a smoker? |
I'm only 28 but am thinking of getting life insurance.
I'm quite healthy but have been a smoker for 15 years.
How much more can I expect to pay for insurance as a smoker?
Do companies have different rates based on how much you smoke?
I only smoke 3 or 4 per day and think I should pay less than a pack a day smoker. |
 |
 
Financial JUSTICE
 |
All insurance companies have different rates for smokers and non-smokers. They even have different rates for the non-smokers by separating who is healthy and who isn't healthy.
But smokers will pay a very high rate compare to non-smokers because of the high mortality rate associated with smoking. |
|
P&M
|
A smoker is a smoker. Some might have better rates for cigar smokers.
Just by way of example, a Canada Life Term 20 policy with a $100K Death Benefit is $159 a year as a smoker. That same policy as a non-smoker is $125 a year.
Different mortality scales place your mortality at different ages. For example, Female is 86 as a Non-Smoker, and 82 as a Smoker on CIA 86/92 mortality scales. |
|
Howard L
|
Different insurance companies rate health risks differently so you need to get a number of quotes to find out how much more a smokers policy will cost you.
A non smoker means zero cigarettes. Insurance companies don't distinguish between light smokers and heavy smokers and a number of studies show that a few cigarettes a day is just about as dangerous as a pack or more. Most insurance companies consider no cigarettes for one year as a non smoker. Don't lie or your beneficiary may not be able to collect. If you need life insurance buy what you can afford now and get a premium reduction when you quit. That way if your health situation changes you will have some insurance. At a later date you may become uninsurable. |
|
hadley2120
|
Some life insurance companies that have experience and specialize in insuring smokers have more competitive rates and more classifications for smokers, based on the amount of cigarettes they smoke.
Life insurance for a smoker may cost up to 50% more per year than life insurance for a non-smoker. That adds up quick.
Did you know that medical research has found that smoking shortens the life span of men by 14.5 years and of women by 13.2 years?
Due to these discoveries, life insurance companies decided to change how they underwrite and rate term life insurance for people who smoke.
The rate for smokers is higher than non-smokers, sometimes by as much as $110 per month or more. For example, a 10 year term life insurance policy for $100,000 of coverage through one insurance company is $26.22 per month for a smoker and $14.36 per month for a non-smoker. The higher rate is due to the shorter life expectancy.
To find the most competitive rates you may want to find a local life insurance agent with access to carriers that specialize in insuring smokers, or you can compare free life insurance quotes online from several insurance carriers to find the lowest rate from a highly-rated insurance carrier.
I hope that helps. Best of luck to you.
|
|
wartz
 |
The rates are lower for smart people and higher for stupid people not light smokers and heavy smokers. At your age you still have time to quit but with a life expectancy about 10 years less than your non-smoking contemporaries you will pay about a third more. As you get older the gap can double.
If you quit, the money you spend for cigarettes will be more than enough to pay for life insurance. |
|
Insurance Pickle.com
 |
If you've smoked 1 cigarette in the last 12 months you'll pay a tobacco rate. That's about 4-5 times the rate a non-smoker will pay. The insurance companies doesn't differentiate how much you smoke...only the type of tobacco. An occasional cigar smoker can get a non-smoker rate if you know what insurance company to go to.
Look on my site and you can see how much the difference is between smokers and non-smokers. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
6 | 36 minutes(s) ago
| | | |
5 | 1 hour(s) ago
| | | |
5 | 4 hour(s) ago
| | | |
6 | 8 hour(s) ago
| | | |
6 | 1 day(s) ago
| | | |
6 | 2 day(s) ago
| | | |
6 | 3 day(s) ago
| | | |
6 | 6 day(s) ago
| | | |
6 | 2 week(s) ago
| | | |
6 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
