smoking will double the cost of you life insurance

I think we can all agree that smoking is horrible for your health.  Not only does it significantly increase your chances of contracting lung cancer it also comes with a plethora of other symptoms.  It is also increases your risk of heart attack, stroke, diabetes and other types of cancer.

Living with a smoker can also put you at risk for health problems.  Children who live in a home with a smoker are more likely to get asthma, ear infections and lung infections.

Letting your doctors know if you smoke is crucial.  They can take specific measures to check if you have cancer somewhere in your body.  Dentists, especially, can look at your tongue, head and neck for cancers.

Not only does smoking take a toll on your body, it also guarantees that the cost of life insurance will be through the roof.  Smokers will pay double the amount per month for life insurance than someone who is not a smoker.

Interesting statistics about a smoker’s mortality rates from the CDC:

•The life of a smoker is, on average, at least 10 years shorter than someone who does not smoke.

•If you quit before the age of 40, you might be able to reduce your risk of dying from a smoking related disease by almost 90%.

•Smoking can triple a middle-aged person’s risk of dying from heart disease.


The main causes of smoking-related deaths are:

•Cancer (lung, larynx, esophagus, and the oral cavity)

•Respiratory disease

•Heart disease


Cosmo Insurance Agency is knowledgeable in various options including but not limited to – term, ROP, permanent and whole - from over two dozen A rated carriers. We are familiar with the rate classifications that particular carriers use to determine the health class of enrollees – and there are significant differences between them. No matter what the results of your medical examination are, we will find the insurer that will provide you will the best rating class and thus the lowest premiums.




Posted 7:00 PM

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