Smoker Ratings

Insurers will give a lower premium rate to buyers who do not smoke or use tobacco. If you smoked in the past, most carriers will consider you a non-smoker if you have not smoked for one year prior to applying for coverage. Consumers should be aware that nicotine can be detected in a variety of routine screenings tests that are now commonly required by most insurance companies.

See Also: Medical Examination; Preferred Risk; Rider; Term Insurance; Whole Life Insurance;

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