Reader question:

How does a company know that I’m a smoker to give me a high priced smoker life insurance rate?

Abigail

Thanks for asking, Abigail.

The Houston Texas smoker life insurance company can typically find out through two, very simple, ways:

• You cough it up.

Know that little question on your insurance form that asks you if you smoke? Well, if you check the yes box, then you are officially out of the smoking closet. Your company will rate you based on that. And you should definitely check it, because if you don’t, there are consequences.

• They catch you.

Since most Houston Texas smoker life insurance companies require a medical exam prior to guaranteeing service, it’s likely that if you’re any kind of a smoker at all it’ll come out in that process, whether through an admission to the doctor, or through blood and urine samples which will be tested for other conditions.

take care,

Fashun

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