Ex-Smokers Life Insurance Policy Gainesville Florida FL
Reader’s Question:
I’ve quit smoking a long, long time ago but will my smoking past still affect my rates If I decide to buy life insurance here on Gainesville, Florida.
Laquana
Gainesville, FL
That would depend on how you will answer the application questions, related to determining if you are a smoker or not, for your life insurance policy. Technically, a life insurance company won’t be able to presently tell that you were a smoker some few years back (unless you have been treated or hospitalized for smoking related illnesses, which may be recorded under your medical records) so it shouldn’t have any direct impact on your life insurance premiums should you apply for one in Gainesville, Florida. You may even be asked to take a urine sample test and they still would not be able to tell that you have smoked if, it was done after 72 hours, much less a few years back.
If you do consider yourself a “Non-smoker”, have not had a light since the last administration, and have no medical conditions that were caused by your ex-smoking habits then feel free to tell your life insurance company that you don’t smoke. Not even occasionally or socially. The difference in life insurance premiums can be worth a couple of thousands a year and maybe even more with some life insurance providers. Take caution though, some provider’s do investigate whether you actually don’t smoke or not. You might receive a phone call asking you a few questions but is actually meant to verify the information you supplied during the application process. If they do find out, the worst that could happen is that they bump up your rate to a smoker’s policy.
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