June 1, 2011
Pot Smokers Its Time To Quit
Pot Smokers Its Time To Quit
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Home Page > Health > Pot Smokers Its Time To Quit
Pot Smokers Its Time To Quit
Posted: Feb 01, 2010 |Comments: 0
| Views: 111 |
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Smoking pot is pretty common among people today. It has grown in popularity with all types of people from all different backgrounds. Although it is considered a âsoftâ drug it does come with it’s own dangers. As many people know when you do pot you inhale it and sometimes begin to suffer from memory loss. There are different effects on different people but these two are the most common.
Inhaling pot smoke does damage your lungs just the way a cigarette would. Although the damage is not as sever as cigarette smoke it does cause damage none the less. Your respiratory system begins to suffer when you smoke pot regularly. If you smoke pot regularly you know that running will take it out of you and catching your breath begins to become a struggle. Along with the breathing problems that marijuana causes you also increase your chances of lung cancer when you smoke pot. When deciding to stop smoking weed this is great to keep in mind. Ask your self do you really want to gamble with your life any longer.
Smoking pot also causes short term memory loss. The THC that marijuana contains damages the part of your brain that is responsible for memory. It is also common for people that smoke marijuana to have a harder time learning new material and retaining new information as opposed to non-smokers. If you smoke weed you know that this is very true. Remembering things that you just heard is sometimes impossible when you are high or were just high.
There are a million reasons to stop smoking weed and if you want to quit just pick one reason. The health benefits alone are worth the lifestyle change. Whatever your reason maybe for wanting to quit smoking weed just do it. Stop the habit now and you can be drug free for the rest of your life.
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Many people want to stop smoking weed but are not aware of what the process involves. Visit http://tostopsmokingweed.blogspot.com to find great tips and guidelines when going through this process.
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I am a heavy smoker & smoking for more than 30 years having normal good health except (lungs) breathing i dont have any major health problem can i quit smoking with help of champix pls advice
I am a smoker and i want to quit. but the one thing that scares me is the weight gain
I have been married for quite some time now and have sex more orten with my husband, but its like never enough i always just feel like having sex all the time. Is this some kind of sickness
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Many people want to stop smoking weed but are not aware of what the process involves. Visit http://tostopsmokingweed.blogspot.com to find great tips and guidelines when going through this process.
Filed under Smoking Pot
May 29, 2011
Pot Smokers Its Time To Quit
Pot Smokers Its Time To Quit
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Pot Smokers Its Time To Quit
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Smoking pot is pretty common among people today. It has grown in popularity with all types of people from all different backgrounds. Although it is considered a âsoftâ drug it does come with it’s own dangers. As many people know when you do pot you inhale it and sometimes begin to suffer from memory loss. There are different effects on different people but these two are the most common.
Inhaling pot smoke does damage your lungs just the way a cigarette would. Although the damage is not as sever as cigarette smoke it does cause damage none the less. Your respiratory system begins to suffer when you smoke pot regularly. If you smoke pot regularly you know that running will take it out of you and catching your breath begins to become a struggle. Along with the breathing problems that marijuana causes you also increase your chances of lung cancer when you smoke pot. When deciding to stop smoking weed this is great to keep in mind. Ask your self do you really want to gamble with your life any longer.
Smoking pot also causes short term memory loss. The THC that marijuana contains damages the part of your brain that is responsible for memory. It is also common for people that smoke marijuana to have a harder time learning new material and retaining new information as opposed to non-smokers. If you smoke weed you know that this is very true. Remembering things that you just heard is sometimes impossible when you are high or were just high.
There are a million reasons to stop smoking weed and if you want to quit just pick one reason. The health benefits alone are worth the lifestyle change. Whatever your reason maybe for wanting to quit smoking weed just do it. Stop the habit now and you can be drug free for the rest of your life.
O – About the Author:
Many people want to stop smoking weed but are not aware of what the process involves. Visit http://tostopsmokingweed.blogspot.com to find great tips and guidelines when going through this process.
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There are many people in the world that smoke weed on a regular basis. Marijuana has become very popular and recently there have been just as many people looking for a way to quit smoking weed forever. Here are a few tools that you can use when you want to stop smoking weed.
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Women Smokers Warned Of Fetal And Infant Risks – Quit Smoking Today
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Home Page > Health > Quit Smoking > Women Smokers Warned Of Fetal And Infant Risks – Quit Smoking Today
Women Smokers Warned Of Fetal And Infant Risks – Quit Smoking Today
Posted: Apr 01, 2010 |Comments: 0
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There is strong evidence that pregnant women who smoke cigarettes are thereby increasing the risk of death of their babies, a Public Health Service report said. The report contains the strongest statement on the risks of smoking in pregnancy ever made by the Public Health Service. “Numerous retrospective and prospective studies have revealed a statistically significant relationship between cigarette smoking and an elevated mortality risk among the infants of smokers,” says the report.
The document also raised doubts concerning the safety of the little cigars that have become increasingly popular. Many people can inhale these much as they do cigarettes, the Public Health Service reported, and those who do will probably face increased risks of the lung and heart problems that have been linked to cigarette smoking. Smokers of pipes and large cigars were told they face some health risks too, but the report made its strongest attack against cigarettes and was particularly strong concerning the risks in pregnancy.
It said several lines of evidence were accumulating to show “a strong, probably casual association between cigarette smoking and higher late fetal and infant mortality among smokers’ infants.” Basically, that means still-births and deaths during the first few days of life.
The report said that several thousand stillbirths a year in the United States can probably be accounted for by the smoking habits of the women involved. The pediatrician who wrote that section of the report noted that the number was roughly equal to two-thirds of all the deaths from accidents in Americans aged one to 14. Accidents are the leading cause of death in that age group.
Among the several hundred references cited in the Public Health Service document was a British report showing that smoking mothers had a stillbirth rate 30 per cent higher than nonsmokers and an infant death rate for the first few days after birth 26 percent higher than mothers who do not use cigarettes. The report also said new data suggests that the woman who gives up smoking by the fourth month of her pregnancy eliminates the heightened risk for her unborn baby.
It has been known for a while that women who smoke cigarettes bear children with a lower average birth-weight than babies of nonsmokers. The Public Health Service document said every investigator who had examined this relationship had confirmed it. Some studies have also found a higher mortality rate among infants of smoking mothers, while others have not. Thus there has been controversy and confusion over the significance of the findings. This report puts firth what it feels is a probably explanation of much of the past discrepancies. For example, the report said the small babies of smoking women appeared to be small for their age, but not premature in calendar and developmental sense. Prematurity – meaning birth before full development – involves a strong risk. Therefore, the report argues, a premature baby of a nonsmoking mother may sometimes be at greater risk than a small, but mature baby of a smoking mother, but this does not invalidate the case against smoking.
Furthermore, in the United States, the statistics show that women of lower socio-economic status and women who have a previous history of unsuccessful pregnancy have greater than average risks of stillbirth or early infant deaths. Although cigarette smoking exerts an independent influence of its own, this can be hidden or influenced by the other factors, the report said. Thus these other factors must be taken into account in seeking clear evidence for the effect of cigarette smoking by itself.
The report said that three major studies have now done this and show a “highly significant independent association between smoking and mortality.”
Of the questions of spontaneous abortion and birth defects, the report said there was not enough evidence to allow any firm conclusions. This document also cited animal studies showing that exposure to the chemicals in cigarette smoke can retard fetal growth or cause stillbirths.
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If you want to quit smoking today without using will power or experiencing any cravings what-so-ever, The Quit Smoking Today Program is the answer you’re looking for.
Some short smoking glamor clips from Women Smoking Culture. Used with permission of WomenSmokingCulture.com
Filed under Smoking Women
Women Smokers Warned Of Fetal And Infant Risks – Quit Smoking Today
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Home Page > Health > Quit Smoking > Women Smokers Warned Of Fetal And Infant Risks – Quit Smoking Today
Women Smokers Warned Of Fetal And Infant Risks – Quit Smoking Today
Posted: Apr 01, 2010 |Comments: 0
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There is strong evidence that pregnant women who smoke cigarettes are thereby increasing the risk of death of their babies, a Public Health Service report said. The report contains the strongest statement on the risks of smoking in pregnancy ever made by the Public Health Service. “Numerous retrospective and prospective studies have revealed a statistically significant relationship between cigarette smoking and an elevated mortality risk among the infants of smokers,” says the report.
The document also raised doubts concerning the safety of the little cigars that have become increasingly popular. Many people can inhale these much as they do cigarettes, the Public Health Service reported, and those who do will probably face increased risks of the lung and heart problems that have been linked to cigarette smoking. Smokers of pipes and large cigars were told they face some health risks too, but the report made its strongest attack against cigarettes and was particularly strong concerning the risks in pregnancy.
It said several lines of evidence were accumulating to show “a strong, probably casual association between cigarette smoking and higher late fetal and infant mortality among smokers’ infants.” Basically, that means still-births and deaths during the first few days of life.
The report said that several thousand stillbirths a year in the United States can probably be accounted for by the smoking habits of the women involved. The pediatrician who wrote that section of the report noted that the number was roughly equal to two-thirds of all the deaths from accidents in Americans aged one to 14. Accidents are the leading cause of death in that age group.
Among the several hundred references cited in the Public Health Service document was a British report showing that smoking mothers had a stillbirth rate 30 per cent higher than nonsmokers and an infant death rate for the first few days after birth 26 percent higher than mothers who do not use cigarettes. The report also said new data suggests that the woman who gives up smoking by the fourth month of her pregnancy eliminates the heightened risk for her unborn baby.
It has been known for a while that women who smoke cigarettes bear children with a lower average birth-weight than babies of nonsmokers. The Public Health Service document said every investigator who had examined this relationship had confirmed it. Some studies have also found a higher mortality rate among infants of smoking mothers, while others have not. Thus there has been controversy and confusion over the significance of the findings. This report puts firth what it feels is a probably explanation of much of the past discrepancies. For example, the report said the small babies of smoking women appeared to be small for their age, but not premature in calendar and developmental sense. Prematurity – meaning birth before full development – involves a strong risk. Therefore, the report argues, a premature baby of a nonsmoking mother may sometimes be at greater risk than a small, but mature baby of a smoking mother, but this does not invalidate the case against smoking.
Furthermore, in the United States, the statistics show that women of lower socio-economic status and women who have a previous history of unsuccessful pregnancy have greater than average risks of stillbirth or early infant deaths. Although cigarette smoking exerts an independent influence of its own, this can be hidden or influenced by the other factors, the report said. Thus these other factors must be taken into account in seeking clear evidence for the effect of cigarette smoking by itself.
The report said that three major studies have now done this and show a “highly significant independent association between smoking and mortality.”
Of the questions of spontaneous abortion and birth defects, the report said there was not enough evidence to allow any firm conclusions. This document also cited animal studies showing that exposure to the chemicals in cigarette smoke can retard fetal growth or cause stillbirths.
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If you want to quit smoking today without using will power or experiencing any cravings what-so-ever, The Quit Smoking Today Program is the answer you’re looking for.
Some short smoking glamor clips from Women Smoking Culture. Used with permission of WomenSmokingCulture.com
Video Rating: 4 / 5
Filed under Smoking Women
April 24, 2011
Smokers Left Out in the Cold…until Now!
Smokers Left Out in the Cold…until Now!
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Home Page > Marketing > MLM > Smokers Left Out in the Cold…until Now!
Smokers Left Out in the Cold…until Now!
Posted: Dec 16, 2008 |Comments: 0
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All across the United States and most of Canada, laws are being passed en masse to keep smokers and smoking, out of any public areas.
Anyone who smokes knows how smokers have slowly but surely been “squeezed” out.
It all started with the ban on smoking, except for trans-oceanic flights. Then eventually even that was taken away from smokers. As a smoker, I can’t say that I disagree with the airplane rules against smoking. If I can’t even stretch my legs out or scratch my back because of the cramped quarters on airplanes, how in the world can you have a “section” of people puffing away and not have all that smoke ruminate throughout the cabin?
Then it seemed like restaurants were the next domino to fall. Again, how could some people in the same room not be subject to the same air as the rest of the crowd? Fair enough, people who don’t smoke don’t want to inhale a cloud of smoke with their meal.
But then, the unthinkable happened…THEY BANNED SMOKING IN BARS! The last oasis of “freedom to puff” was stripped away from us. What is a bar without a huge fog of smoke? How could us men go home to our wives and tell them we were at the bar with guys when we don’t even smell like a stale ashtray??!! That was the end of “social smoking” as we know it.
Now, no longer was smoking something you did while discussing politics or catching up with an old friend. Now it was an evil. An evil that made men “sneak a puff” when they knew damn well that if the old lady next to them saw it, they would surely rat us out. It is now an evil that makes us put on our coat and politely excuse ourselves from the table, only to head outside (at least 15 feet from any entranceway) and huddle around one lone ashcan with all the other cast-offs, complaining of our plight, asking when this all got started.
So as our culture grew to a point where smoking was nearly criminal, technology saw a big opportunity….THE SMOKELESS CIGARETTE!
Yes, technology did what it always does; it finds a solution to a man-made situation.
An electronic cigarette…get used to it, it is here to stay.
No deadly carcinogens, no stinky, smelly clothes, no dangerous second-hand smoke. And best of all…it can be puffed legally anywhere.
And this is not some nasty, “quit smoking by pretending you’re smoking” gadget. The electronic cigarette delivers REAL nicotine that smokers crave, delivered to the smoker with a wator vapor instead of the deadly, tar-filled smoke of traditional cigarettes.
I don’t know anyone that smokes and doesn’t know that risks involved with it. I would also be hard-pressed to find a smoker who doesn’t admit to at least “wanting” to quit because of the health concerns.
And now this is where it gets really interesting.
Did you know that multi-level marketing is responsible for making many, many people millionaires? Did you also know that when times are tough economically, that is the precise environment when MLM thrives? It is a fact.
So what if someone could take the multi-billion dollar “smokers” market and combine it with multi-level marketing AND do it at a time when the economy is worse than most of us have seen in our lifetimes, on the verge of a deep, deep recession?
The answer to that question is…A HUGE OPPORTUNITY would be created!
Now how would you like to be on the ground-floor of that opportunity?
Well now, thanks to InLife LLC, anyone who has the desire to succeed can do so.
They have created a business opportunity in this huge untapped market for anyone who has ever wanted their own home-business but had no idea what to sell and not much money to invest.
Talk about timing! Our time is now. All you need is the desire to succeed, InLife gives you everything else.
Don’t let this one slip away. We may never have another opportunity like this in our lifetime…
It is the “Perfect Storm”, and all you have to do is get ahead of the big wave with this “Smokin’ Hot Product”!
See you at the top.
Enrico
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Are there any home based businesses that are not scams or require a large sum of money to start??
What is the best MLM opportunity that can be worked from home?
If you start a home-based business which is only going to earn less than 0 a month, and we are collecting 1200 amonth how does this affect my unemployment insurance?
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In this medical video learn how a laser therapy for smoking cessation that works by stabilizing endorphin levels is under clinical study. (01:42)
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April 20, 2011
Smokers Left Out in the Cold…until Now!
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Home Page > Marketing > MLM > Smokers Left Out in the Cold…until Now!
Smokers Left Out in the Cold…until Now!
Posted: Dec 16, 2008 |Comments: 0
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All across the United States and most of Canada, laws are being passed en masse to keep smokers and smoking, out of any public areas.
Anyone who smokes knows how smokers have slowly but surely been “squeezed” out.
It all started with the ban on smoking, except for trans-oceanic flights. Then eventually even that was taken away from smokers. As a smoker, I can’t say that I disagree with the airplane rules against smoking. If I can’t even stretch my legs out or scratch my back because of the cramped quarters on airplanes, how in the world can you have a “section” of people puffing away and not have all that smoke ruminate throughout the cabin?
Then it seemed like restaurants were the next domino to fall. Again, how could some people in the same room not be subject to the same air as the rest of the crowd? Fair enough, people who don’t smoke don’t want to inhale a cloud of smoke with their meal.
But then, the unthinkable happened…THEY BANNED SMOKING IN BARS! The last oasis of “freedom to puff” was stripped away from us. What is a bar without a huge fog of smoke? How could us men go home to our wives and tell them we were at the bar with guys when we don’t even smell like a stale ashtray??!! That was the end of “social smoking” as we know it.
Now, no longer was smoking something you did while discussing politics or catching up with an old friend. Now it was an evil. An evil that made men “sneak a puff” when they knew damn well that if the old lady next to them saw it, they would surely rat us out. It is now an evil that makes us put on our coat and politely excuse ourselves from the table, only to head outside (at least 15 feet from any entranceway) and huddle around one lone ashcan with all the other cast-offs, complaining of our plight, asking when this all got started.
So as our culture grew to a point where smoking was nearly criminal, technology saw a big opportunity….THE SMOKELESS CIGARETTE!
Yes, technology did what it always does; it finds a solution to a man-made situation.
An electronic cigarette…get used to it, it is here to stay.
No deadly carcinogens, no stinky, smelly clothes, no dangerous second-hand smoke. And best of all…it can be puffed legally anywhere.
And this is not some nasty, “quit smoking by pretending you’re smoking” gadget. The electronic cigarette delivers REAL nicotine that smokers crave, delivered to the smoker with a wator vapor instead of the deadly, tar-filled smoke of traditional cigarettes.
I don’t know anyone that smokes and doesn’t know that risks involved with it. I would also be hard-pressed to find a smoker who doesn’t admit to at least “wanting” to quit because of the health concerns.
And now this is where it gets really interesting.
Did you know that multi-level marketing is responsible for making many, many people millionaires? Did you also know that when times are tough economically, that is the precise environment when MLM thrives? It is a fact.
So what if someone could take the multi-billion dollar “smokers” market and combine it with multi-level marketing AND do it at a time when the economy is worse than most of us have seen in our lifetimes, on the verge of a deep, deep recession?
The answer to that question is…A HUGE OPPORTUNITY would be created!
Now how would you like to be on the ground-floor of that opportunity?
Well now, thanks to InLife LLC, anyone who has the desire to succeed can do so.
They have created a business opportunity in this huge untapped market for anyone who has ever wanted their own home-business but had no idea what to sell and not much money to invest.
Talk about timing! Our time is now. All you need is the desire to succeed, InLife gives you everything else.
Don’t let this one slip away. We may never have another opportunity like this in our lifetime…
It is the “Perfect Storm”, and all you have to do is get ahead of the big wave with this “Smokin’ Hot Product”!
See you at the top.
Enrico
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I love network marketing and writing about it. The best part, for me, is when someone tells me they read my stuff and it helped them to succeed in internet marketing.
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Filed under Social Smoking
April 18, 2011
Smokers Left Out in the Cold…until Now!
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Home Page > Marketing > MLM > Smokers Left Out in the Cold…until Now!
Smokers Left Out in the Cold…until Now!
Posted: Dec 16, 2008 |Comments: 0
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All across the United States and most of Canada, laws are being passed en masse to keep smokers and smoking, out of any public areas.
Anyone who smokes knows how smokers have slowly but surely been “squeezed” out.
It all started with the ban on smoking, except for trans-oceanic flights. Then eventually even that was taken away from smokers. As a smoker, I can’t say that I disagree with the airplane rules against smoking. If I can’t even stretch my legs out or scratch my back because of the cramped quarters on airplanes, how in the world can you have a “section” of people puffing away and not have all that smoke ruminate throughout the cabin?
Then it seemed like restaurants were the next domino to fall. Again, how could some people in the same room not be subject to the same air as the rest of the crowd? Fair enough, people who don’t smoke don’t want to inhale a cloud of smoke with their meal.
But then, the unthinkable happened…THEY BANNED SMOKING IN BARS! The last oasis of “freedom to puff” was stripped away from us. What is a bar without a huge fog of smoke? How could us men go home to our wives and tell them we were at the bar with guys when we don’t even smell like a stale ashtray??!! That was the end of “social smoking” as we know it.
Now, no longer was smoking something you did while discussing politics or catching up with an old friend. Now it was an evil. An evil that made men “sneak a puff” when they knew damn well that if the old lady next to them saw it, they would surely rat us out. It is now an evil that makes us put on our coat and politely excuse ourselves from the table, only to head outside (at least 15 feet from any entranceway) and huddle around one lone ashcan with all the other cast-offs, complaining of our plight, asking when this all got started.
So as our culture grew to a point where smoking was nearly criminal, technology saw a big opportunity….THE SMOKELESS CIGARETTE!
Yes, technology did what it always does; it finds a solution to a man-made situation.
An electronic cigarette…get used to it, it is here to stay.
No deadly carcinogens, no stinky, smelly clothes, no dangerous second-hand smoke. And best of all…it can be puffed legally anywhere.
And this is not some nasty, “quit smoking by pretending you’re smoking” gadget. The electronic cigarette delivers REAL nicotine that smokers crave, delivered to the smoker with a wator vapor instead of the deadly, tar-filled smoke of traditional cigarettes.
I don’t know anyone that smokes and doesn’t know that risks involved with it. I would also be hard-pressed to find a smoker who doesn’t admit to at least “wanting” to quit because of the health concerns.
And now this is where it gets really interesting.
Did you know that multi-level marketing is responsible for making many, many people millionaires? Did you also know that when times are tough economically, that is the precise environment when MLM thrives? It is a fact.
So what if someone could take the multi-billion dollar “smokers” market and combine it with multi-level marketing AND do it at a time when the economy is worse than most of us have seen in our lifetimes, on the verge of a deep, deep recession?
The answer to that question is…A HUGE OPPORTUNITY would be created!
Now how would you like to be on the ground-floor of that opportunity?
Well now, thanks to InLife LLC, anyone who has the desire to succeed can do so.
They have created a business opportunity in this huge untapped market for anyone who has ever wanted their own home-business but had no idea what to sell and not much money to invest.
Talk about timing! Our time is now. All you need is the desire to succeed, InLife gives you everything else.
Don’t let this one slip away. We may never have another opportunity like this in our lifetime…
It is the “Perfect Storm”, and all you have to do is get ahead of the big wave with this “Smokin’ Hot Product”!
See you at the top.
Enrico
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I love network marketing and writing about it. The best part, for me, is when someone tells me they read my stuff and it helped them to succeed in internet marketing.
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Insurers Sting Obese and Smokers
Insurers Sting Obese and Smokers
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Home Page > Finance > Insurance > Insurers Sting Obese and Smokers
Insurers Sting Obese and Smokers
Posted: Apr 27, 2008 |Comments: 0
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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.
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Jemma is an author of several articles pertaining to Mortgages, Only Leads, Life Insurance, Home Insurance and other Business and Finance articles.
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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.
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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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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
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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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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?
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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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