Tag Archives: Smoker Rates

Life Insurance Underwriting

Underwriting is the process that insurance companies use to determine the risk profile of the applicant, whether or not the policy will be approved, and what the premium will be. The life insurance underwriter has many factors to consider before an offer to insure an applicant is made.  Some of the considerations are… –          The […]

“Smoker” Life Insurance Rates – Say Good-Bye and Save

It used to be that 50% of the adults in Canada smoked, but times have changed since that statistic was released in 1965.  Today between 15% and 20% of adults admit to smoking some form of tobacco on a regular or occasional basis, and many Canadians are thinking about quitting or have quit altogether.  This […]