Smoker Ratings

It is a well known fact that Insurance companies give relatively low premiums for folks who don't smoke. This section brings valuable information about the smoker ratings. If you have not smoked or used tobacco for the past year you can get this discounted rate. For your sake and your loved ones it is best for you to Quit Smoking. This section also provides some resources to quit smoking or quit tobacco. The probability of someone affected by an accident is more than death due to tobacco. But there is a very important distinction. In the case of accident it is something that is mostly not something you plan for or can avoid. But in case of tobacco use, it is a slow death which is self inflicted. Similar to suicide which is not covered insurance, this is seriously considered as something similar.

People have had endless debate on this issue with people falling on both sides of the debate. But the current thinking is since insurance is a form of shared expenses for health coverage. This usage which is surely going to inflict injury to oneself is thought of as a high risk and hence the higher premium. In some cases coverage has been denied to a few serious cases. Interesting there are a few who try to cover up the fact about their smoking problem. There are many simple tests that are available to attest you smoked in the past few months.

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