January 26, 2011
Life Insurance – Smokers and Overweights pay over 50% more!
Life Insurance – Smokers and Overweights pay over 50% more!
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Home Page > Finance > Life Insurance – Smokers and Overweights pay over 50% more!
Life Insurance – Smokers and Overweights pay over 50% more!
Posted: Dec 16, 2005 |Comments: 0
| Views: 145 |
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The life insurance industry is becoming tougher on smokers and those of us who are overweight.
When an insurance company calculates its premiums, it has to work out the risk of you dying whilst the policy is in force. (Or with Critical Illness Insurance, the risk that you will become critically or seriously ill during the policy’s term.) In this context, smoking and obesity have become increasingly important issues.
The life insurance industry pointedly ignores the views of some Pro Smoking Pressure Groups which argue that smokers under the age of 40 have around the same probability of dieing as non smokers. David Pickett, Life Insurance Manager at Sainsbury’s spoke for the insurance industry when he confirmed “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”.
Just how big an effect smoking has on life insurance costs was highlighted in a recent snapshot study by www.express-life-insurance.co.uk. This found that the average smoker paid 56% more than a non-smoker. The study was based on nine of the UK’s top insurance companies and examined the premiums quoted for two men aged 30 asking for £100,000 cover over 25 years. The only difference between the application details was that one was a smoker and the other wasn’t.
The life insurance industry has also recently tightened its belt on the overweight members of society. Previously, only people with a Body Mass Index of 33 or more were considered as overweight. This level has now been reduced by 16%. Now anyone with a BMI of 28 or more is likely to face premiums loaded by 50%. If you’re anxious to know whether that includes you, you’ll need a calculator! BMI is calculated by dividing your weight in kilos by your height in meters and the result squared.
So if you’re intending to apply for life insurance is may be as well to loose a few pounds first – oops kilos – and they’re much harder to lose than pounds!
It’s not quite so straightforward for smokers. To qualify as a non-smoker, most insurance companies insist that you must not have “smoked or otherwise consumed any form of nicotine products during the previous 12 months.” Indeed, some companies go further and extend the qualifying period to 5 years!
Because premiums for smokers and chubbies are so high, it becomes even more important to seek out the cheapest possible prices. As you’re an internet surfer, the odds are you’ll land a good discount. Just search for cheap life insurance and let your fingers do the walking!! You’ll still pay more but the discount will soften the impact on the wallet. Expect online savings of 10% – 15%.
Michael is an exclusive financial writer who writes articles primarily about UK family finance. One of the websites he writes for is Life Insurance Quotes Online.
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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
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Life Insurance – Smokers and Overweights pay over 50% more!
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Home Page > Finance > Life Insurance – Smokers and Overweights pay over 50% more!
Life Insurance – Smokers and Overweights pay over 50% more!
Posted: Dec 16, 2005 |Comments: 0
| Views: 145 |
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The life insurance industry is becoming tougher on smokers and those of us who are overweight.
When an insurance company calculates its premiums, it has to work out the risk of you dying whilst the policy is in force. (Or with Critical Illness Insurance, the risk that you will become critically or seriously ill during the policy’s term.) In this context, smoking and obesity have become increasingly important issues.
The life insurance industry pointedly ignores the views of some Pro Smoking Pressure Groups which argue that smokers under the age of 40 have around the same probability of dieing as non smokers. David Pickett, Life Insurance Manager at Sainsbury’s spoke for the insurance industry when he confirmed “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”.
Just how big an effect smoking has on life insurance costs was highlighted in a recent snapshot study by www.express-life-insurance.co.uk. This found that the average smoker paid 56% more than a non-smoker. The study was based on nine of the UK’s top insurance companies and examined the premiums quoted for two men aged 30 asking for £100,000 cover over 25 years. The only difference between the application details was that one was a smoker and the other wasn’t.
The life insurance industry has also recently tightened its belt on the overweight members of society. Previously, only people with a Body Mass Index of 33 or more were considered as overweight. This level has now been reduced by 16%. Now anyone with a BMI of 28 or more is likely to face premiums loaded by 50%. If you’re anxious to know whether that includes you, you’ll need a calculator! BMI is calculated by dividing your weight in kilos by your height in meters and the result squared.
So if you’re intending to apply for life insurance is may be as well to loose a few pounds first – oops kilos – and they’re much harder to lose than pounds!
It’s not quite so straightforward for smokers. To qualify as a non-smoker, most insurance companies insist that you must not have “smoked or otherwise consumed any form of nicotine products during the previous 12 months.” Indeed, some companies go further and extend the qualifying period to 5 years!
Because premiums for smokers and chubbies are so high, it becomes even more important to seek out the cheapest possible prices. As you’re an internet surfer, the odds are you’ll land a good discount. Just search for cheap life insurance and let your fingers do the walking!! You’ll still pay more but the discount will soften the impact on the wallet. Expect online savings of 10% – 15%.
Michael is an exclusive financial writer who writes articles primarily about UK family finance. One of the websites he writes for is Life Insurance Quotes Online.
Retrieved from “http://www.articlesbase.com/finance-articles/life-insurance-smokers-and-overweights-pay-over-50-more-8985.html”
(ArticlesBase SC #8985)
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Michael Challiner –
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Michael is an exclusive financial writer who writes articles primarily about UK family finance. One of the websites he writes for is Life Insurance Quotes Online.
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Ask our experts your Finance 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
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More from Michael Challiner
Smokers’ Life Insurance. Is There Such a Thing?
It seems that irregardless of how healthy you are, if you are a smoker, life insurance cost can be as much as three times the cost of a non-smoker life insurance. The question is, why should you pay more if you are healthy? Are there life insurance plan for smokers? No plans but companies. Yes, there are companies who favor smokers more than others. Read one…
By:
Philippe Derayl
Finance>
Insurancel
Nov 01, 2010
Insurance News – UK Ex-Smokers Reportedly Paying Too Much For Life Insurance.
According to recent life assurance research by Sainsbury’s Bank, many ex-smokers may be paying too much for their life insurance. They assert that during the past 5 years approximately 6.
By:
R.greenl
Financel
Mar 11, 2006
lViews: 243
In Las Vegas, life insurance is hardly common because of the implications associated with it. The feeling or belief that you cannot die young may eventually be the death of you when you don’t have life insurance, so to speak. Death is a reality that confronts both old and young so you’re never too young to buy life insurance.Cheap life insurance plans are in high demand by many people. A cheap life insurance plan is one that offers the most extensive coverag…
By:
Freeman Bakerl
Healthl
Jun 20, 2009
Life Insurance Policy, Eliminating All Your Apprehensions in a Single Moment
Insurance cover is a very essential element in the life of almost every person who is a part of the modern-day society. However, even then, as mortals, people take this very lightly and do not think twice before neglecting the offers for insurance of life, wilfully.
By:
Adam Daniell
Finance>
Insurancel
Dec 06, 2008
Nicotine can be a drag on life insurance rates, no matter how you use it
No matter whether you smoke it, chew it, get it from a patch or take a drag from an electronic device or hookah pipe, tobacco use can be costly to your health and your pocketbook.
By:
Life Quotes, Incl
Finance>
Insurancel
Aug 13, 2010
Can a Chronic Smoker Get Life Insurance?
Chronic smokers, like all regular tobacco users, will have to pay higher premiums than others in their age and gender group just because of the fact that they smoke. A smoker is considered an automatic increased death risk to the life insurance company.
By:
Don Lewisl
Finance>
Insurancel
Jan 15, 2009
Smoker? Ex Smoker? How Smoking Can Affect Your Life Insurance Premiums
Just like everyone else, smokers and ex smokers can have spouses, children, other family members and other loved ones. And, just like most everyone else, they also need life insurance. Of course, everyone knows by now that smoking is bad for you. But, if you are or have been a smoker, you should know that there are life insurance options out there specifically for you, and there are various life insurance companies competing for your business.
By:
Kade Phillipsl
Home and Familyl
Jan 23, 2009
lViews: 249
Smokers And Life Insurance, What You Know Can Save You Dough!
Most tobacco users are the first to put off purchasing life insurance because they anticipate the rates being out of reach. Insurance companies do consider a smoker to be a higher risk to cancer, respiratory problems, high blood pressure, missed work and death and will rate the insured at standard…
By:
Christopher Beardl
Financel
May 17, 2008
lViews: 122
Why Is The Auto Insurance Industry About To Crash?
What many people don’t want to think about and most of the auto insurance sites that are not even aware of is that the days of cheap insurance are about to end. Therefore, whichever online auto insurance broker you pick to provide automobile insurance for you will make a huge difference when your carrier doesn’t renew or when your insurance rates skyrocket.
By:
Wendy Moyerl
Financel
Jan 18, 2011
Quick Cash Loan Lenders – What They Can Do To Help You
You may encounter the expression “payday loan lender” on occasion. What is a payday loan financial institution?
By:
PerryMonkhousel
Financel
Jan 18, 2011
Who Is Paying For Toyota’s Negligence?
As you are probably well aware, Toyota Motor Corporation has been forced to recall more than 8.5 million of their vehicles because of faulty gas pedals. The cars that they are recalling have had a history of sudden acceleration.
By:
Wendy Moyerl
Financel
Jan 18, 2011
So the big day is coming up and you want to make it the best day of your life naturally – one great way of doing this is to use wedding favors. Your marriage ceremony is not only a celebration of your appreciate; it’s also a way to thank the special folks in your existence. Wedding ceremony favors, in specific, are the expression of that gratitude. It says “thank you for becoming there”-and also, is really a token of affection.
By:
Mario Pulmanl
Financel
Jan 18, 2011
Should I Apply Now For A Business Loan?
As your business grows you will inevitably reach a point at which you require additional funding.
By:
Josh Gwinl
Financel
Jan 18, 2011
A Beginners Guide to Small Business Loans
The topic of discussion for today is small business loans. We will cover the basics of what constitutes a loan vs an investment and also an overview of how loans for small businesses differ from loans for larger organizations.
By:
Josh Gwinl
Financel
Jan 18, 2011
What Is An Unsecured Small Business Loan Vs. A Secured Small Business Loan?
Small businesses come in all shapes and sizes, from very small mom and pop shops to much larger almost medium size companies with close to 100 employees.
By:
Josh Gwinl
Financel
Jan 18, 2011
How Does a Business Cash Advance Work In a Retail Business?
There are many advantages and disadvantages to running a retail business. Retail businesses tend to have to deal with customers and end-users and this is a challenge all on its own.
By:
Josh Gwinl
Financel
Jan 18, 2011
It seems that the highest risk of being burgled is when you’re a student. If your youngster is leaving for college life, here are some pointers to help them stay secure. At one time your son or daughter went off to university weighed down by their books. Apart from the…
By:
Michael Challinerl
Financel
Dec 11, 2009
You can write your own will by buying a will form from a stationery store. You can then set about making out the will. It’s possible to buy a “kit” and this comes with the form and some guidance. We would never advise anyone to rely on a “d-i-y” will…
By:
Michael Challinerl
Financel
Dec 08, 2009
Stormy Weather Ahead, Check Your Home Insurance
When the sun is shining and the kiddies have the paddling pool out, winter storms are a long way from most people’s thoughts. Not just winter, either, as the August storms of just a few years ago caused absolute havoc. Maybe it’s time to turn your thoughts to some property…
By:
Michael Challinerl
Financel
Dec 06, 2009
Creepy Crawlies in Your Property
Some-one said you’re never more than a certain distance away from a rat. I can’t remember what the distance was, or who actually said it, but I certainly don’t like to think about it. Where ever you live, you can have trouble with pests and these infestations are becoming more…
By:
Michael Challinerl
Financel
Dec 06, 2009
The cost of private health insurance varies widely, according to the plan chosen. From simple cash plans, which mean routine health check ups are covered, through to fully comprehensive care, it’s all there – at a price.
Simple cash plans are easy to understand and they offer the cheapest cover. They…
By:
Michael Challinerl
Financel
Dec 06, 2009
Life Insurance – Changing Times
How are you fixed for life insurance – do you have enough? The answers probably no, as there’s evidence that there’s a very big shortfall between the amount we have – and what we really need. So even if you’re fairly up to date with your requirements, you’ll probably need…
By:
Michael Challinerl
Financel
Dec 01, 2009
Sort Out Your Life Insurance Plans
House prices rose dramatically in recent years. It’s also true to say that things have calmed down a little now, but we have some worryingly high unemployment figures, which balance this. The result of these factors explains why an increasingly growing number of people are not getting into the housing…
By:
Michael Challinerl
Financel
Dec 01, 2009
Most insurance companies offer whole of life policies. These are policies which give you a guarantee that the sum assured on the death of an insured person will be paid in full to your beneficiaries.
As whole of life cover is designed to carry through to the end of the insured…
By:
Michael Challinerl
Financel
Dec 01, 2009
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Michael is an exclusive financial writer who writes articles primarily about UK family finance. One of the websites he writes for is Life Insurance Quotes Online.
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