Reader question:

I used to have Clearwater Florida smokers life insurance, but I let my policy lapse. It’s been a couple years since then, and I actually don’t smoke anymore. Do I still need that kind of policy?

Grace

Good question, Grace.

Well, how long ago did you quit smoking? That’s the most important question. Considering what an addictive substance nicotine is and the long and short term effects smoking can wreak on your body, having just quit last month won’t cut it to get you out of Clearwater Florida smokers life insurance. No, if you’re a recent quitter, then you’re going to have to keep paying those high rates for a good while yet, but that’s more the reason to get started ASAP.

If you have been not smoking for less than 12 months, then you still need a Clearwater Florida smokers life insurance policy. After that, you can leave that behind, but you’ll still be paying substandard rates. It will take three years for you to get to pay standard rates, an two more years after that for you to get to pay preferred rates, if you’re in great health.

take care,

Fashun