Smoker Life Insurance Gainsville Florida FL
Reader’s Question:
My husband is a smoker. Our family needs a life insurance policy covering him. I know this might be tough but I need to find a way for him. What can we do with his life insurance in Gainsville Florida FL?
Thelma
Gainsville, FL
Hello Thelma. Life insurance companies in Gainsville Florida FL do not offer rewards for smokers. However, most life insurance companies do offer coverage to smokers. That is important. Your husband should try to stop smoking. Generally, the amount of the life insurance premiums will be higher for a smoker compared to the premiums of a non-smoker.
Life insurance companies in Gainsville Florid want healthy clients. To inspire your husband to quit smoking, there are incentive based programs. Your life insurance agent will be able to provide you information about programs that will reward your husband for halting his smoking. These incentive programs usually take two to four years.
If your husband’s health is good despite his smoking habit, most life insurance companies in Florida FL will take that into account. Premiums are also affected by the extent of the habit. Occasional smokers can usually obtain lower premiums rates than excessive smokers. The best thing to do is discuss this with your husband and with his physician. Get the health records that will assist your life insurance agent in placing the best coverage. Good luck, Thelma.
Tags: life insurance, life insurance premium, smoker life insurance
No Exam Life Insurance Question Gainsville Florida FL
Reader’s Question:
I am planning to buy a life insurance policy but I am apprehensive because of the time constraints I have. I am leaving for Thailand in 2 weeks and I will be back after 3 months. Is there anything like an instant life insurance policy in Gainsville, Florida which does not require me to undergo a medical exam?
Patricia
Gainsville, FL
I suppose you might think a life insurance with no medical exam sounds too crazy. However, you have to believe that you can get a life insurance in less than 2 weeks and before you know it, you are bringing with you an active life insurance policy on your way to Thailand.
There shouldn’t be any medical exam all the time for you to be able to get a life insurance policy. In fact, getting a life insurance can be as fast as 15 minutes nowadays. This is really a very good plan to purchase especially if you are in a hurry and you do not have time to wait for results or to undergo a tedious underwriting process and medical exam.
Be advised beforehand that the benefits for a no exam life insurance could be relatively limited than the ordinary life insurance policies which require medical exam. Also, you might be paying higher than other plans for the same scope of coverage.
Regardless, since the issue here is for you to have a life insurance policy before you leave for Thailand, I think this is the most practical option you can choose. You can start comparing quotes from different companies online. You will be asked very pertinent information and you will simply fill out a short questionnaire.
Like I said, approval is very quick and do not be surprised if you will have a life insurance policy in your hands 15 minutes after you submit your application without having to talk to a life insurance agent in Gainsville, Florida.