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The essence of procuring and maintaining a policy has been a tacit established truth for the significant players in the insurance industry. One equally vital concern that you should have a look at is the underwriting process. The insurance companies consider a number of factors in order to arrive in a decision whether or not to accede to the requests of an applicant. During this procedure, the rates are calculated as well. There are certain policies such as life insurance smoker whose premiums are slightly expensive. Find out in this article what factors can increase the rates you will most likely pay. In addition, there are loads of tips as you read on that will come in handy as you try to seal the deal with your chosen carrier.

Here are some of the factors that the underwriters pay attention to when they make a decision how much rate you would pay if your application will be approved.

* Health -individuals who are in greater shape gets the lowest possible figures. In evaluating your health standing, you will be asked to answer a few questions that pertain to your medical history including your family's to check on hereditary diseases. You will also go through urinalysis, blood tests and other medical exams to check alcohol, drug or nicotine traces.

* Way of life -the underwriters will want to know if you are taking alcohol, drugs or if you are into smoking. This is because the mentioned vices can result to fatal illnesses and cut down your life expectancy.

* Income -more often than not, those who hold a regular position in their respective works are offered lower rates compared to part-timers.

* Age -there is a great possibility that younger persons would get lower rates as they will most likely outlive the plan and they are more capable of paying the premiums since they are in their heydays.

* Driving records -the people who have maintained their driving records free from any serious violations will make a good impression before the underwriters as they seem to value their lives more than the others.

In fairness to the insurance companies, there are rare instances wherein they deny the applicants the right to get protection just because of smoking, like when the latter has acquired a terminal illness caused by constant smoking. But more often than not, the underwriters would only come to a decision to increase the rates they would pay. Nonetheless, the carriers will sort of compel you to eventually say not to the bad habit and/or at least exert efforts to cut down on your tobacco consumption. Life insurance smoker plan will render this void and will grant you protection while allowing you to keep on living the not so healthy lifestyle you have grown used to. All these privilege come at a costly price in the literal sense though. This is because the extra payments will recompense the carrier for the unnecessary risks that they have to take. This is inevitable as the insurer's interests ought to be protected too.

Smoking or tobacco use leads to diseases that affect the heart and the lungs of the smoker. Smoking also affects areas such as the hands or the feet with symptoms such as numbness showing up. Other major diseases associated with smoking or tobacco use include heart attacks, chronic obstructive pulmonary disease, lung cancer and emphysema.

It is perfectly understandable if the insurance firms will not tolerate a chain smoker who will apply for a policy whose rates are quite low. There have been quite a few clinical studies that hold the same views regarding how smoking can shorten one's lifespan. If you will get the average of the studies' findings, you will see that the mentioned vice can decrease one's lifetime to thirteen years at the most. What is more alarming is that the smokers start at an early age. This is one of the reasons why the insurers came up with the idea of formulating plans designated specifically for smokers. This way, they can address the changing needs of the market while protecting their interests as well.

There remains a possibility that smokers can get the lowest possible rates. However, it will not come that easily. They can set their minds into exerting extra efforts to cut down on their tobacco intake on a regular basis until they are able to give it up totally in the long run. It will be best if they can do this prior to the time of their application to find favour before the underwriters.