Saving You Money For Life

Good question! Most people think that they would automatically qualify for the best non-smoker rates if they were otherwise in perfect health. Wrong! At most companies if you quick smoking 1 year ago, you will be classified as a non-smoker, but you will also most likely only qualify at standard rates. Remember there is preferred plus, preferred and standard. Preferred plus being the healthiest of people.

So when do you start to see a good break in rates? At most companies at least 2 years after you have quit smoking. And 5 years to really get the best rates. Why? Because after 5 years you have less of a chance to get back into the habit. However, there are some companies that are more lenient than others with their guidelines.

So what’s a consumer to do? Shop around! You’ve heard this from me several times. Use a broker that deals with multiple carriers and knows the ins and outs of the carriers. They can help you find the best rates available for you.

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