Life Insurance for the Smoker
http://insureme.us/life-insurance-smoker/
Life insurance rates are determined by looking at the incidence of death in a population as a whole, and science shows that people who smoke generally pass away at a younger age, it follows that when you smoke you become a higher risk to insure. Life insurance companies take into account the fact that you are a smoker and the adverse impact it will have on your life expectancy when evaluating the risk it involves insuring you. A person who smokes may develop diseases such as lung cancer, heart attacks, impotency in men and less fertility in women, emphysema, raised blood pressure, a weakened immune system and stomach ulcers, among others. It is believed that 400,000 people die of smoking a year
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