January 28, 2011
Insurers Sting Obese and Smokers
by valt98
Insurers Sting Obese and Smokers
Insurers Sting Obese and Smokersvar _sf_startpt=(new Date()).getTime()var base_url = ‘http://www.articlesbase.com/’;var base_images_url = ‘http://images.articlesbase.com/’;var loading_icon = ‘http://images.articlesbase.com/point-loader.gif’;var loading_wide = ‘http://images.articlesbase.com/loadingAnimation.gif’;var loading_large = ‘http://images.articlesbase.com/ajax-loader-2.gif’;var loading_arrows = ‘http://images.articlesbase.com/loading_arrows.gif’;var loading_dots = ‘http://images.articlesbase.com/dots-horizontal.gif’;var captcha_url = ‘/trigger/captcha/’;
var str_qa_type_your_question = escape(“Ask our experts your Insurance related questions here…”); var int_question_title_max_length = 200;
GS_googleAddAdSenseService(“ca-pub-5157679868954075”);
GS_googleEnableAllServices();
GA_googleAddAttr(“Category”, “Finance”);
GA_googleAddSlot(“ca-pub-5157679868954075”, “Bellow_Embed_Code”);
GA_googleAddSlot(“ca-pub-5157679868954075”, “Left_Column_Top”);
GA_googleAddSlot(“ca-pub-5157679868954075”, “Article_Bottom”);
GA_googleAddSlot(“ca-pub-5157679868954075”, “Article_Left2″);
GA_googleFetchAds();
function fbLogin(backlink){
if (backlink == null || backlink == ”){
backlink = ”;
} else {
backlink = ‘&backlink=’+encodeURIComponent(backlink);
}
FB.init({appId: ‘d4f0261b49c9a6e9ef675169020100ae’, status: true, cookie: true, xfbml: true});
FB.login(function(response){
if (response.session){
if (response.perms){
// user is logged in and granted some permissions. perms is a comma separated list of granted permissions
window.location = ‘/auth/connect?status=success’+backlink;
} else {
window.location = ‘/auth/connect?status=permissions_error’+backlink; // user is logged in, but did not grant any permissions
}
} else {
window.location = ‘/auth/connect?status=not_logged’+backlink; // user is not logged in in facebook
}
}, {perms:’email,publish_stream,offline_access’});
}
function fbInit(){
FB.init({appId: ‘d4f0261b49c9a6e9ef675169020100ae’, status: true, cookie: true, xfbml: true});
}
var _gaq = _gaq || [];
_gaq.push([‘_setAccount’, ‘UA-318473-1’]);
_gaq.push([‘_setCustomVar’, 2, ‘Category’, ‘Finance’, 3],
[‘_setCustomVar’, 3, ‘SubCategory’, ‘Insurance’, 3],
[‘_setCustomVar’, 4, ‘PenNameId’, 56898, 3],
[‘_setCustomVar’, 5, ‘PublishDate’, ‘2008-04’, 3],
[‘_trackPageview’]);
(function() {
var ga = document.createElement(‘script’); ga.type = ‘text/javascript’; ga.async = true;
ga.src = (‘https:’ == document.location.protocol ? ‘https://ssl’ : ‘http://www’) + ‘.google-analytics.com/ga.js’;
var s = document.getElementsByTagName(‘script’)[0]; s.parentNode.insertBefore(ga, s);
})();
var WRInitTime=(new Date()).getTime();
Free Online Articles Directory
Why Submit Articles?
Top Authors
Top Articles
FAQ
ABAnswers
function show_login_box() {
// move banner patch
if($(‘.static_pg_right_col’).length > 0 && $.browser.msie ) {
var ie_version = parseInt($.browser.version);
if(ie_version Login
Register
Hello
My Home
Sign Out
if($.cookie(“screen_name”)) {
$(‘#logged_in_true li span’).html($.cookie(“screen_name”).replace(/\+/g,’ ‘));
$(‘#logged_in_true’).css(‘display’, ‘block’);
$(‘#top-authors-tab’).css(‘display’, ‘none’);
} else {
$(‘#logged_in_false’).css(‘display’, ‘block’);
}
Email
Password
Remember me?
Lost Password?
Home Page > Finance > Insurance > Insurers Sting Obese and Smokers
Insurers Sting Obese and Smokers
Posted: Apr 27, 2008 |Comments: 0
|
var addthis_config = { “data_track_clickback”:true, ui_language: “en” }
document.write(unescape(“%3Cscript src=’http://abjs.s3.amazonaws.com/gads/gads-topC1F.js?v=2.0016′ type=’text/javascript’%3E%3C/script%3E”));
document.write(unescape(“%3Cscript src=’http://abjs.s3.amazonaws.com/gads/gads-topC1Fb.js?v=2.0016′ type=’text/javascript’%3E%3C/script%3E”));
Smokers and the overweight are seeing increased life insurance prices. The insurance industry is penalising these people with higher costs of cover.
The way insurance companies calculate premiums is to work out the risk to them of the customer dying while the policy is active. When looked at from this point of view, smoking and obesity are obviously very important factors in this consideration.
Some pro-smoking groups assert the point that according to statistics smokers under 40 are as likely to die as non-smokers of the same age group. However, as Sainbury’s life insurance manager, David Pickett said: “Health risks associated with smoking can have a big effect on life cover costs. It is vital for those who have kicked the habit to review their policies”.
A recent study conducted found that the average smoker paid 56% more than a non-smoker for a life insurance policy. This study was based on nine top UK insurance companies, based on quotes for two men aged 20 asking for £100,000 cover over a 25 year period. The only difference stated on the applications was that one smoked and one didn’t.
As well as toughening up on smokers, the overweight have seen increases in their policies. Recently insurance companies have changed their approach to the obese, the Body Mass Index (BMI) that affects insurance has been lowered from the previous figure of 33 to a BMI of 28. This is a reduction of 16%, anyone with a BMI above 28 faces a 50% rise in premium prices.
Life insurance companies will calculate your BMI, if it exceeds the limits deemed acceptable by the company a doctor’s report may be requested. If the BMI is very high the company may ask you to have a medical examination, if this exam concludes that the customer’s weight is of concern then the policy will be increased by a minimum of 50%, but this can rise to 400% in the case of the morbidly obese.
Life insurance companies do have some tolerance for weight gain, for the middle aged they accept that people naturally put on weight as they age. Age is taken into account alongside weight when insurers take applications.
Obesity is a growing problem in the UK and a serious threat to health, as insurers are making clear, over the last 20 years obesity in UK adults has dramatically risen, with more than 60% men and 50% of women deemed overweight or obese.
So if you’re intending to apply for life insurance it would be beneficial to lose a few pounds first if you’re currently overweight. It’s not quite as simple for smokers, to be seen as a non-smoker by insurance companies you must not have consumed any form of nicotine during the previous 12 months, although some insurance companies extend this period to five years.
Due to the fact that premiums for smokers and the overweight as so high the importance of seeking out a competitive policy rises. The best way to do this is to use a comparison website such as Onlyfinance.com, which means you only need to input your information once and hundreds of policies will be reviewed, and the best price and package will be selected.
Obviously the policies found on a comparison site will still be higher for smokers and the overweight but the best available deal for you will be found. The importance of life insurance is becoming clear to everyone nowadays, it provides peace of mind, if something did happen then your family will not be left in a state of financial confusion. The popularity of policies has also mean the life insurance leads market has remained a busy and profitable one.
Retrieved from “http://www.articlesbase.com/insurance-articles/insurers-sting-obese-and-smokers-397572.html”
(ArticlesBase SC #397572)
Liked this article? Click here to publish it on your website or blog, it’s free and easy!
Jemma –
About the Author:
Jemma is an author of several articles pertaining to Mortgages, Only Leads, Life Insurance, Home Insurance and other Business and Finance articles.
Questions and Answers
Ask our experts your Insurance related questions here…
200 Characters left
What other type of insurance i can sell with my life insurance license?
I have a policy already through liberty life insurance how do i look it up on the internet
I am wondering if i can purchase life insurance on my husband incase of death to cover cost of bills for myself and children
Rate this Article
vote(s)
0 vote(s)
Feedback
RSS
Print
Email
Re-Publish
addthis_pub = ‘articlesbase’;
addthis_brand = ‘ArticlesBase.com’;
addthis_options = ‘twitter, favorites, email, reddit, stumbleupon, delicious, facebook, google, more’;
Source: http://www.articlesbase.com/insurance-articles/insurers-sting-obese-and-smokers-397572.html
Article Tags:
life insurance, insurers, insurance, price, leads
Latest Insurance Articles
More from Jemma
How to Buy Term Life Insurance in Canada
Term insurance offers very affordable protection but you have to be aware the the premiums increase sharply as you get older. (01:50)
Senior Editor Bob Frick shares stories and insight about life insurance. (01:43)
When do you need it? How much? Term or whole life? (02:04)
Health Insurance at Every Stage of Life
When do you need it, and when can you do without? (02:47)
How to Find Car Insurance at Every Stage of Life
Kim Lankford explains how to get lower car insurance at every stage of your life. (02:55)
Emirate Insurance-Free Life And Car Insurance Quote
Emirate Insurance Offers Home Insurance, Car Insurance, Expat Wills, Personal Protection, Medical Insurance, Pensions and other services for your Insurance needs anywhere in UAE.
By:
bellel
Finance>
Insurancel
Apr 18, 2010
Find Health Insurance Prospects Through Online Leads
Lots of people are buying health policies available in the market. But dealing with insurance prospects is not an easy task and you should learn to find insurance prospects through online leads. If the product is offered for the very first time to the buyers, and initially if they say a simple “NO”, you should not give up as more convincing sales talks convert their “NO” into a pleasant sounding “YES”.
By:
Roberto Luongol
Healthl
Dec 13, 2008
Los Angeles Health Insurance| California Health Insurance| Health Insurance Providers
Health insurance plan is very effective way to ensure that you will be secured and will get no financial problem in circumstances like falling sick, or any other health problem. And also, you don’t have to worry about the heavy medical bills and can save lots of money by picking the right health insurance coverage.
By:
Www.lahealthcoverage.coml
Healthl
Jul 03, 2009
Benefits of Life Annuity in Insurance
Annuity policy, or life annuity policy, is a variation from the standard Life Insurance policies. A …
By:
jamiehansonl
Financel
Jun 19, 2009
Life insurance -What Happens When You Are Given As a Sales Lead to Potential Life Insurance Agents
Life Insurance News-Insurance Sales Leads and What They Mean For You
By:
Jay Leol
Financel
Oct 20, 2009
Is a Life Insurance Expert a Control Freak?
You should be able to find several indispensable facts about a life insurance expert in the following paragraphs. If there’s at least one fact you didn’t know before, imagine the difference it might make.
By:
Donald Yerkel
Finance>
Insurancel
Aug 13, 2008
Online Life Insurance Quotes in Edmonton
Shopping for life and health insurance online is now common place. Getting a quote online for the insurance you need is easy, but what are you getting…
By:
Mitch Reynolds, MBAl
Finance>
Insurancel
Aug 04, 2010
Term Life to Age 70 – FAQ About Insuring Older People
Term Insurance – Most of the time, you will select a period of years to cover. It is common to select from ten, fifteen, twenty, or thirty year periods. This makes sense, and allows a person to estimate how long they will need to protect their home and family
By:
kadinblogl
Finance>
Insurancel
Sep 23, 2010
Brownie Points! – Why Do My Insurance Rates Change?
When your driving is evaluated it goes on a formal driving record. This record helps insurance companies to know what kind of a driver you are and helps them make a decision of your insurance quote.
By:
Aden James Clarkl
Finance>
Insurancel
Jan 28, 2011
Cheap Insurance Life Cover What To Expext
Very First, what is your age? If an older person (about 55), lifestyle, insurance coverage of prayer is the best option.
By:
cheapinsurancel
Finance>
Insurancel
Jan 28, 2011
Information About Cheap Insurance Auto For Business Vehicle
If you have a company car and use for transport of persons, goods or equipment you need commercial auto and it must be comprehensive.
By:
cheapinsurancel
Finance>
Insurancel
Jan 28, 2011
Minimum Car Insurance Coverage Options in Oklahoma
The liability insurance coverage for drivers in Oklahoma is ,000 for injury that involves one person, ,000 for injury of multiple persons and ,000 for damages done to the properties.
By:
Alexeil
Finance>
Insurancel
Jan 28, 2011
What Are Annuities and How Do They Work?
Annuities are, probably, one of the most misunderstood and underrepresented investment option available. Although they are not for everyone, as nothing else is, they can serve an important part of people’s portfolio – particularly individuals over the age of 50. Read on…
By:
Philippe Derayl
Finance>
Insurancel
Jan 27, 2011
California Auto and Motorcycle Insurance Coverages
Signing up for California auto insurance policies are probably the most serious concerns in the state. According to the State regulation, drivers in California have to obtain at least the minimum amount of car insurance to ensure protection in the event they get involved in any sort of accident. Motorcycle insurance in addition falls in the same exact group.
By:
California Auto Insurancel
Finance>
Insurancel
Jan 27, 2011
Shopping for Insurance in Reno
Insurance isn’t the most glamorous thing you can spend your money on, but it buys you security and piece of mind. In Reno, life insurance, car insurance, and homeowners insurance salespeople are licensed by the state of Nevada. To be licensed, brokers must take classes and pass a proficiency test.
By:
Dora Evansl
Finance>
Insurancel
Jan 27, 2011
Getting the Right Insurance for Your Reno Home
Buying insurance for your home can be a daunting task. It seem hard, at first, to decide how much coverage you need. However, it is easier than you think to determine how much coverage you need for your Reno home. Insurance will be needed to replace your property and all valuable possessions in your home.
By:
Conan Brownl
Finance>
Insurancel
Jan 27, 2011
The Number of Mortgage Deals Dropping
Industry figures have shown that the number of new mortgage applications approved by the major banks fell again in December. British Banker’s Association (BBA) members approved 42,088 new mortgage loans last month, the lowest figure that has been seen since 1997 when the data started to be collected.
By:
Jemmal
Finance>
Mortgagel
Jun 26, 2008
Teenage Parties not Always Covered by Home Insurance
It is something you might see on the plot of Eastenders of Coronation Street, but some people actually have to live the nightmare of seeing their home wrecked during a teenage party. This is exactly what happened to the parents of Sarah Ruscoe in Devon recently.
By:
Jemmal
Finance>
Insurancel
Jun 26, 2008
Senior Travellers Like to Try New Things
People approaching retirement age are now more likely to be searching for senior travel insurance than their slippers, pipe and newspaper according to new research launched by Prudential.
By:
Jemmal
Finance>
Insurancel
Jun 26, 2008
Secured Loans Work Out Cheaper
According to MoneyExpert.com borrowers can cut their monthly repayments on loans if they choose products which are secured against their home, as opposed to just borrowing on unsecured terms.
By:
Jemmal
Northern Rock Need to Rescue Customers
There have been many calls for Northern Rock to offer some kind of rescue package to borrowers who took out the company’s Together loan, a 100% plus mortgage. John McFall, chairman of the Treasury Select Committee is the latest in a long line of supporters for the rescue plan.
By:
Jemmal
Northern Rock Might be the Place to Borrow
State-owned Northern Rock is set to offer great deals for savers in the coming months, however it is the bank’s existing 800,000 mortgage customers who are the bone of contention.
By:
Jemmal
Finance>
Mortgagel
Jun 24, 2008
Life Insurance for Armed Service Personnel
Under a Ministry of Defence (MOD) scheme, 300,000 personnel in the armed forces are being offered life assurance. Before this scheme the forces found it difficult and expensive to get insurance because of the dangerous nature of their jobs.
By:
Jemmal
Finance>
Insurancel
Jun 24, 2008
Debt and Fraud Cause Repossessions to Soar
House repossessions have soared from the beginning of 2008, people who are hit hardest by these repossessions are borrowers who have borrowed more than they can afford against their property. Other causes that have emerged are fraudulent activity by property developers.
By:
Jemmal
Finance>
Mortgagel
Jun 24, 2008
lViews: 109
GA_googleFillSlot(“Article_Bottom”);
Add new Comment
Your Name: *
Your Email:
if($.cookie(“screen_name”)) {
$(‘#not_logged_in’).hide();
}
Comment Body: *
document.write(”);
Verification code:*
* Required fields
Submit
Your Articles Here
It’s Free and easy
Sign Up Today
GA_googleFillSlot(“Left_Column_Top”);
Author Navigation
My Home
Publish Article
View/Edit Articles
View/Edit Q&A
Edit your Account
Manage Authors
Statistics Page
Personal RSS Builder
My Home
Edit your Account
Update Profile
View/Edit Q&A
Publish Article
if($.cookie(“screen_name”)) {
$(‘#author_navi_title’).css(‘display’, ‘block’);
if($.cookie(“user_type”) && $.cookie(“user_type”) == ‘answers’) {
$(‘#answers_author_navi’).css(‘display’, ‘block’);
} else {
$(‘#articles_author_navi’).css(‘display’, ‘block’);
}
} else {
$(‘#banner_signup’).css(‘display’, ‘block’);
}
Author Box
Jemma has 28 articles online
Articles Categories
All Categories
Advertising
Arts & Entertainment
Automotive
Beauty
Business
Careers
Computers
Education
Finance
Food and Beverage
Health
Hobbies
Home and Family
Home Improvement
Internet
Law
Marketing
News and Society
Relationships
Self Improvement
Shopping
Spirituality
Sports and Fitness
Technology
Travel
Writing
Accounting
Banking
Credit
Currency Trading
Day Trading
Debt Consolidation
Insurance
Investing
Loans
Mortgage
Personal Finance
Real Estate
Taxes
Wealth Building
GA_googleFillSlot(“Article_Left2”);
Need Help?
Contact Us
FAQ
Submit Articles
Editorial Guidelines
Blog
Site Links
Recent Articles
Top Authors
Top Articles
Find Articles
Site Map
Mobile Version
Webmasters
RSS Builder
RSS
Link to Us
Business Info
Advertising
Use of this web site constitutes acceptance of the Terms Of Use and Privacy Policy | User published content is licensed under a Creative Commons License.
Copyright © 2005-2011 Free Articles by ArticlesBase.com, All rights reserved.
(function() {
var tabView = new YAHOO.widget.TabView(‘articles’);
})();
var dc_UnitID = 14;
var dc_PublisherID = 1175;
var dc_AdLinkColor = ‘009900’;
var dc_isBoldActive= ‘no’;
var dc_open_new_win = ‘yes’;
var dc_adprod=’ADL’;
document.write(unescape(“%3Cscript src=’http://kona.kontera.com/javascript/lib/KonaLibInline.js’ type=’text/javascript’%3E%3C/script%3E”));
//$.getScript(“http://stats.articlesbase.com/updvw3.php?id=kn”);
$.getScript(“http://stats.articlesbase.com/updvw2.php?id=397572&ref=”+encodeURIComponent(document.referrer));
tyntVariables = {“ap”:”Read more: “};
if(FetchFromWithCookies) {
FetchFromWithCookies.setFromCookie(“articlesbase”);
ClickTaleFetchFrom = FetchFromWithCookies.constructFetchFromUrl();
}
var ClickTaleSSL=1;
if (typeof ClickTale == ‘function’) {
var ClickTaleScriptSource = ‘http://js.articlesbase.com/clicktale/’;
ClickTale(36041,0.08,”www”);
}
if(typeof ClickTaleTag==”function”) {
ClickTaleTag(‘article_pages’);
ClickTaleTag(‘article’);
}
var _sf_async_config={uid:3158,domain:”articlesbase.com”};
(function(){
function loadChartbeat() {
window._sf_endpt=(new Date()).getTime();
var e = document.createElement(‘script’);
e.setAttribute(‘language’, ‘javascript’);
e.setAttribute(‘type’, ‘text/javascript’);
e.setAttribute(‘src’,
((“https:” == document.location.protocol) ? “https://s3.amazonaws.com/” : “http://”) +
“static.chartbeat.com/js/chartbeat.js”);
document.body.appendChild(e);
}
var oldonload = window.onload;
window.onload = (typeof window.onload != ‘function’) ?
loadChartbeat : function() { oldonload(); loadChartbeat(); };
})();
Jemma is an author of several articles pertaining to Mortgages, Only Leads, Life Insurance, Home Insurance and other Business and Finance articles.
Related Pro Smoking Articles
Filed under Pro Smoking