Guide to Insurance

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Life Insurance For Smokers

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A Term life policy is insurance without the complicated bells and whistles that often accompany whole and universal life insurance. Term life insurance covers you for period of time in the event of your death. For example, a $100,000 10 year life insurance policy covers you for ten years. If you die during the 10 year policy term, your beneficiaries (typically family members) receive $100,000. In most cases, this is tax free to your beneficiaries.



Why Do You Need It?

If a family member relies on your income, then you need term life insurance. Term life does not benefit you but protects your loved ones in the event of your death.

Smoking and Term Life Insurance

If you are a smoker the first consequence is higher rates than a non-smoker. The rates can be up to three times as high as a non-smoker policy so the cost difference can be considerable. Since 87 percent of lung cancer is traced to smoking, the increase in rate is not too surprising.

Typically, if you have used tobacco in the past year, you will be put in the smoker classification. It depends on the insurance company as some will consider usage as far back as 10 years on whether you qualify for the lower rate non-smoker classification.

Get Term Life Insurance Before You Need It

The number one mistake you can make as a smoker is too put off getting life insurance. It's easy to do. You convince yourself to get it once you stop smoking or lose weight or maybe even both. Remember, if someone depends on your income other than you, like your wife, parent or child, you need life insurance to protect them in the event of your death.

Honesty Is Your Best Policy

It can be tempting to lie on your application and check the non-smoker box. It really seems harmless, too. Right?, not really. See, even if you lie and the insurance company approves your policy, your beneficiaries may not receive the money even after you die. Insurance companies typically investigate before issuing settlements. If they were to find you smoked from old medical records or some other source, it is possible your policy can be revoked for lying. It's just not worth it. Here you pay your premiums for years and then a lie on your application unravels everything. The bottom line is honesty is your best policy. Being honest on your application will ensure your beneficiaries get the settlement, which is the reason you are getting the policy in the first place.

Don't Let it Lapse

This is a sad but true story. A friend of mine was approved for a life insurance policy and paid the premiums for many years. He let his health slide and started smoking more and more. Unfortunately, he missed a payment and the insurance company canceled his policy. In order to re-instate the policy, he had to take a physical examination which he could never pass with his current health. He died without life insurance approximately two months after the cancellation. Sadly, his wife received no life insurance benefits.

So needless to say, if you get life insurance, don't let it lapse. The risk is too high. It is one of the few times I recommend paying annually, semi-annually or having the payment automatically debited from your bank account. The easier you make the payment process the less chance for error and cancellation.

Get The Motivation Now

In closing, if you smoke and have been considering term life insurance, now is the time to get it. It is an easy thing to put off but getting a term life policy will provide a tremendous amount of piece of mind to your loved ones when they need it most.
Life Insurance For Smokers
Numerous studies and surveys have consistently shown that a majority of adults frequently eat foods that contain too little vitamin B-6 and vitamin E. We consume far too many calories, and too much total fat, saturated fat, cholesterol, and sodium. Women frequently eat too little folic acid, iron, calcium, and zinc. This is why it is so important to take a multi-vitamin daily.

The basic nutritional needs of men and women who smoke are similar to those who don’t use tobacco. However, conclusive evidence exists that smokers need much more antioxidant nutrients than non-smokers.

Essentially, smokers need antioxidant nutrients such as vitamin C (also known as ascorbic acid), and vitamin E. It was once believed that beta-carotene was an attribute for non-smokers, but recent clinical studies have found that beta-carotene can actually be harmful to smokers’ health. Beta-carotene can be found in most multi-vitamins and an excess of beta-carotene is risky for good nutritional health. If you are a smoker and going to take a multi-vitamin, be sure it doesn’t list beta-carotene as one of the ingredients.

Too many smokers have inadequate intakes of antioxidants. Smokers are reported to consume lower quantities of antioxidant nutrients than nonsmokers. Antioxidant nutrients have protective roles with regard to cancer, heart disease, cataract formation, cognitive (mind) dysfunction, and other diseases. Researches believe there is a balance between antioxidant protectors and components that promote oxidation in the body. This balance seems to be related to health or disease. Some components of cigarette smoke promote oxidation that provides high levels of oxidant stress. Free radicals, which also promote oxidation, are derived from tobacco. Cigarette smoke has been estimated to contain 1,000,000,000,000,000 free radicals per inhalation. These free radicals can oxidize the fat components of the body and this is quite harmful.

For instance, cigarette smokers have lower vitamin C (natural antioxidant) intakes and plasma vitamin C levels than nonsmokers. The incidence of cancer, heart disease, and cataracts is lower in populations that have high intakes of fruits or leafy green vegetables, all replete with vitamin C. Smokers who ate foods containing more than 200 mg vitamin C daily had serum vitamin C levels equivalent to those of nonsmokers who consumed 60 mg or more of the vitamin, according to a recent national survey. The most recent edition of the Recommended Dietary Allowances recommends that regular cigarette smokers take in at least 100 mg of vitamin C daily. Smokers have been found to have higher levels of vitamin C in the lung tissues than nonsmokers. This clearly reflects a positive defense mechanism against the free radical species from cigarette smoke.

Studies have found that smokers have a 30 percent lower vitamin C level than nonsmokers. Researchers believe that nicotine may interfere with vitamin C absorption. Nicotine boosts metabolic rate, therefore increasing the rate that vitamin C is metabolized. Individuals who smoke need 100 milligrams of vitamin C (versus 60 milligrams for nonsmokers) every day.

The body’s most effective antioxidant is vitamin E. Smokers have been found to have lower levels of plasma vitamin E than nonsmokers.

Smokers seeking nutritional supplementation should look for a multi-vitamin that contains at least all of the following: Vitamin C (Ascorbic Acid), Vitamin E, Vitamin B1 (Thiamine), Vitamin B2 (Riboflavin), Niacin, Vitamin B5 (Pantothenic Acid), Zinc Picolinate, Vitamin B6 (Pyridoxine), and the antioxidant Co-Q10. Some supplements add Ginkgo Biloba Leaf Powder, Inositol, Rutin, Citrus Bioflavonoid Complex, Choline Bitartrate and PABA.

If you smoke, or live with someone who smokes, it is important that you make the right choices to safeguard you health against the risks associated with smoking. One of the most important decisions you can make is choosing the right multi-vitamin. It’s a fact that smoking depletes the body of important nutrients. It’s also a fact that one nutrient, beta-carotene, has been found in clinical studies to adversely effect smokers’ health. Beta-carotene, a form of Vitamin A, can be found in most multi-vitamins.

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About Author
Both Tim C. Smith & Daina Desai are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Tim C. Smith has sinced written about articles on various topics from Stock, Home Improvement and Life Insurance. Tim C. Smith is a succesful webmaster and publisher. You can find more life insurance information and tips at . Tim C. Smith's top article generates over 2900 views. to your Favourites.

Daina Desai has sinced written about articles on various topics from Health, Dental Practice and Health. To get more information visit/,
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