A Lower Rate if I Quit Smoking
I had never considered getting life insurance before because I thought that was just for older people. I had a small policy with my work, but I was in for a rude awakening when a coworker died and that amount didn’t even cover his funeral. I also saw how much his wife and children have struggled financially since then, and I knew that I had to do better by my own wife and children. The bad thing about it was that I smoked then. I was not sure if smokers life insurance was even a possibility without paying through the roof for it.
I had every intention of quitting one day, and I realized that there is no time like the present. I thought that by quitting, I would qualify for the rate that people get if they do not smoke. That is when I was in for another rude awakening. I would need to be smoke free for at least one year and more than likely two years to get the better rates for a life insurance policy. I was not about to wait the two years because I knew that anything could happen.
Just because I am young and healthy does not mean my tomorrow is guaranteed. It also meant that just because I felt great, I still needed to quit smoking to make life better not only for myself but for my family too. I talked with an insurance agent, and he told me that he would give me a policy at one rate, but he would change the rate after just one year of not smoking. The rate was a lot lower than I was expecting, so it was an easy decision for me to make. Knowing that I can get it even lowered in a year is the motivation I needed to finally quit smoking too.