Aviva Life Insurance for Smokers

> Aviva Life Insurance for Smokers. Don't overpay just because you smoke: compare the whole market and save up to 40% on life insurance for smokers.

Who are smokers?

Insurance companies establish certain guidelines for those peoples who prefer smoking than their lives. Some insurance would consider you a non-smoker, if you occasionally chew tobacco or smoke a cigar. The title “non-smoker” can lead to you lower premiums and better rating.

You are considered as a smoker if you:

• Have smoked cigars or cigarettes in the past 12 months
• Chew tobacco once or twice in a day
• Use nicotine patches or gum in the past 1 month

It is a research about smokers, which states a smoker ends up spending 56 percent more on a life insurance policy than a non-smoker. According to this research Aviva Life Insurance, offer life insurance for smokers of Rupees one crore for a term plan of 10 years. This life insurance policy costs Rupees 44,390 more for people who smoke.

According to Aviva Life research, with a sum assured of Rupees one crore the smoker pays Rupees 12,292 annually as life insurance premium for a 10 year term plan.Whereas, a non-smoker for the same policy only pays Rupees 7853 annually as life insurance premium. This Term plan is based on the condition, that you will get the insurance amount only in the case of the death of the insured before the end of a policy term.

Benefits of Cessation from Aviva

Smokers who quit smoking increase their chances of obtaining more affordable life insurance premium. Instead of seeking life insurance for smokers, who can possibly qualify as non-smokers. Many carriers would consider you a “non-smoker” in as little as 12 months after cessation, and its really surprising for some people. This change in such a short amount of time lets you for demanding standard non-smoker rates. In addition to this, the better your rates can pay as longer you remain a “quitter,”. You may qualify for preferred non-smoker rates, after three to five years following cessation. After quitting the smoking, you may even qualify for a preferred plus rating, which is really good for your health and pocket as well. In addition to the obvious health reimbursement, quiting the use of tobacco or smoking can significantly decrease the premiums.

Smoking is a dangerous habit that could prove harmful to your health. Try to quit this as soon as possible and if unfortunately all attempts are with no success, then its better to invest in a life assurance plan with them.