How Can You Get Burial Insurance?
Burial insurance allows you to set your affairs in order before you depart from this world. Suppose you do not want to burden your beneficiaries with the costs of organizing your funeral. In that case, the burial insurance, or final expense insurance as it is also known, is for you. It is effortless to get approved for this insurance because most insurance providers do not want to put senior citizens through more hassles than they have already gone through.
Senior citizens have a lot on their plates, mostly with their health issues. Burial insurance gives them a chance to depart from this world with dignity, on their terms. Gary P. Cubeta, from insurance for final expenses, throws light on information about providers like Gerber life burial insurance for such policies.
Can Tobacco Chewers Get Approval for Burial Insurance?
The answer is yes.
One of the reasons senior citizens opt for burial insurance is that it is effortless to get approved. Unlike life insurance policies, the purchaser does not need to undergo rigorous medical tests or answer complicated health questions. Of course, the insurance provider will ask some basic health questions, but that does not stand in the way of getting the insurance, even if one chews tobacco.
Are Tobacco Chewers Considered High Risk?
Some insurance companies will consider tobacco chewers a high risk because they consider it a threat to their overall health. Tobacco chewing can, indeed, lead to illnesses like gum cancer. However, it is still not considered as risky as smoking a cigarette because nicotine inhaled into the system poses far more risks. It can lead to lung cancer and damage the esophagus as well. Since chewing tobacco alone does not have so many risks involved, many insurance providers do not consider it an impediment to getting burial insurance.
Is Burial Insurance More Expensive for Tobacco Chewers?
With some insurance providers, yes, your insurance premiums can be a little higher than the next average senior citizen.
If someone is a smoker, they are charged almost double the regular insurance purchaser’s premium amount. The premium amount could be about 30% more than the average premium rate for a tobacco chewer. However, this differs significantly from provider to provider. Some insurance providers will not charge you anything extra. If you were once a tobacco chewer but have quit the habit, most providers will not charge you anything extra for the premiums.
Can Tobacco Chewers Be Classified as Tobacco Users?
Some insurance providers group all kinds of tobacco users. Whether you smoke a cigar, a cigarette, or chew tobacco, you are all in the same category. They might charge you higher premiums even if you have never smoked or vaped nicotine but just chewed on tobacco.
In that case, compare the rates among different burial insurance service providers before you select the insurance company. After all, why will you pay more for being categorized in the same way as a smoker when you never smoke and end up paying higher premiums for it?
The bottom line is that almost everyone qualifies under the tobacco ratings unless you are a regular smoker. You have to research which insurance provider will charge you the least or not charge you at all.
While asking questions about your health and lifestyle, they might not even specifically ask you whether you chew tobacco or not and ask you if you are a smoker. You can check out providers like Gerber life burial insurance for this. If you reply in the negative, you can easily qualify for burial insurance at regular rates.