There has always been a running myth that some forms of tobacco are healthier than others, and for many the belief is that smoking is far more harmful than chewing it. And while lung cancer isn’t as likely among tobacco chewers as it is with smokers, chewing tobacco is still something that carries health risks.
It’s even something that will make it difficult to receive insurance – even burial insurance. As you try to find burial insurance, you will be asked a variety of questions and one of them is whether or not you are a tobacco user. Answering yes will increase your rates and in some cases even make it impossible to qualify for a policy. However, tobacco chewers can still get burial insurance policies and finding the right one is important.
The Big Difference Tobacco Makes
There is one reason that costs go up and the difficulty of even getting a policy increases when you are a tobacco user – money. Insurance companies want o make money, and if you pass away due to tobacco related disease early, they miss out on monthly payments from you.
As such, tobacco users often struggle to find a policy that they qualify for and that they can afford. But you do have options. One of which is a finale expense burial insurance policy. Often, these policies don’t require medical exams at all. You just answer some basic health questions, and you then qualify for the insurance policy.
All this means is that if you have no preexisting health conditions, getting a great rate and a great policy is more than possible. However, you’ll still need to take steps to make sure you get the non-tobacco user rate. You should never lie on an application, but it’s actually easier to get that great non-tobacco user rate than you might actually think if you just keep a few things in mind.
Getting A Non-Tobacco User Rate
It’s vital that you don’t lie during your application process. But, that doesn’t’ mean that you can’t get a non-tobacco user rate even if you’re a tobacco user. The key here is simple – look at the questions.
One company may frame a question a bit differently than another. For example, one company may ask if you have ever used tobacco in the last 12 months. But another may ask if you have smoked cigarettes in the last 12 months. Finding insurance companies that frame the question without including smokeless tobacco can help you get a much better rate.
Finding The Best Deal For Burial Insurance
It is vital that you take the time to shop around for your insurance policy. Looking at all of your options is a must, and spending time to shop for the right policy can help save you money and also make sure that you are fully protected. Our team can help. We’ll work with you to make sure you get exactly the kind of policy that you need. Contact us today to learn more about what we can do for you.