Life Insurance for Smokers
For certain groups of individuals obtaining a life insurance policy is even that much more important. One group of individuals who should obtain life insurance policies are smokers. The Centers for Disease Control and Prevention (CDC) reported that between the years of 1997-2001 approximately 438,000 U.S. deaths each year were attributed to cigarette smoking.
In order to protect your loved ones should anything happen to you as a result of smoking or otherwise, having a life insurance policy in effect is a wise choice.
Why Smokers Should Consider Acquiring Life Insurance
There are a few good reasons why smokers should have active life insurance policies. First, smokers when compared with non-smokers have a higher risk of getting certain illnesses and diseases. Some of these diseases include lung cancer, coronary heart disease, chronic lung disease, stroke, and a variety of other cancers. Due to the high risk factor, those who smoke should seriously consider having a back up plan for their family should anything happen to them.
Another reason why smokers should acquire life insurance policies is that many individuals who smoke have a more sedentary lifestyle than those who do not use any tobacco products. An unhealthy sedentary lifestyle can be the impetus for a wide range of other diseases and illnesses which may be indirectly due to the smoking habit. Having such an insurance policy in effect will again provide protection for the beneficiaries of the insured.
Lastly, life insurance policies are handy tools for any individual to have, whether a smoker or not. These are beneficial for providing some type of income to one’s spouse and/or children, paying for death-related expenses and other costs which need to be taken care of upon the death of the insured.