Orlando Florida smoker life insurance

Reader question:

I bought a life insurance policy a couple of years ago and I didn’t need Orlando Florida smoker life insurance because I didn’t smoke. But after a lot of stressful stuff happened in my life recently, I took it up, and now I’m hooked. Do I need to have my policy re-rated?

Mike

Thanks for asking, Mike.

It might make sense for the Orlando Florida smoker life insurance company to demand that your policy be re-rated after you pick up smoking, even though you originally received a much lower rate. After all, smoking lowers your life expectancy significantly, so it would be reasonable to ask that. But the truth will make you a lot happier. Once you’re in the group, your Florida life insurance company doesn’t care what you do. You can start bungee jumping with threads for all they care. Nothing you do after you have already bought your policy will cause your rates to be raised.

But, just because you won’t have to pay Orlando Florida smoker life insurance rates now, doesn’t mean you won’t have to ever. If you have a term policy, then eventually you are going to have to renew it, and when you do you will have to deal with all of the mess that comes with having smoked, as well as being rated for the smoking itself.

take care,

Fashun