How tobacco smoke is dangerous!
Cigarettes and second hand cigarette smoke are dangerous.
Smoking can damage our body, For Example, your lungs, your brain, and your heart. The poisonous chemicals in a cigarette can cause death. Think about this, if you smoke you won't be able to run fast or jump as high if you can't breathe properly.
The City Council and General Assembly can nurture that choice by requiring all bars and restaurants to determine their own smoking policies. Smoking-allowed establishments can then choose whether to be all-smoking or to have separate smoking and nonsmoking sections. To help consumers identify which establishments cater to their preferences, bars and restaurants could be required to post their smoking policies at their entrances, and they could be penalized for violating them.
There are surely other associated risks specific to your own situation (e.g. if you smoked in the house, I would factor in risk of fire) . Don't forget to try to take these into account.
The Wednesday of National Non-Smoking Week is termed Weedless Wednesday. Smokers are urged to refrain from smoking on this day. The intention is to kickstart the process of quitting smoking as well as gaining media coverage.
Passive smoking is the act of breathing in secondhand smoke.
Tobacco smoke contains over 400 chemicals, and over 60 are known or suspected to be carcinogenic (cancer-causing). A controversial study published in the British Medical Journal appears to show that in non-smokers regularly exposed to smoke via their spouses were not at significant risk of cancer or heart disease.
According to Cancer Research UK, passive smokers are 20 to 30 per cent more likely to develop lung cancer than people not exposed to smoke, with several hundred deaths occurring as a direct result in the UK each year.
Tobacco: nicotine
Tobacco contains nicotine, a powerful neurotoxin that is particularly harmful to insects. A lethal dose of nicotine is contained in as little as one half of a cigar or three cigarettes; however, only a small fraction of the nicotine contained in these products is actually released into the smoke, and most clinically significant cases of nicotine poisoning are the result of concentrated forms of the compound used as insecticides. Tobacco leaves are often smoked (see tobacco smoking) in the form of a cigar or cigarette, or in a smoking pipe, or in a water pipe or a hookah.
It is possible for smokers to cheat life insurance test
With life insurance, there are three different premium classifications: standard, preferred or preferred plus. By not smoking (or having not smoked for at least 5 years) and being in excellent health, you will be awarded with a lower life insurance rate because your chances of dying sooner are reduced. If for instance, you are classified as "normal healthy," meaning you haven't used nicotine in at least three years-then you would fall into a standard classification with a life insurance company. Under this standard classification you would pay a normal life insurance rate for your age, as opposed to a smoker, who would pay a higher insurance rate because they are tagged a potential risk. Something to think about the next time you light up a cigarette!
Are you considered a smoker?
In the world of life insurance, by answering "yes" on your application to the questions, "do you smoke?" or "do you consider yourself a smoker?," you would be considered a smoker. The same goes for answering yes to the questions of "have you used tobacco products, cigarettes, cigars or chewing tobacco within a specified time?" By insurance standards, even if you smoke socially or just once a year, you are considered a smoker. For the occasional smoker, you should answer the question as best as you see fit.
The cost of smoking
Research shows that smokers pay at least three times the premium of nonsmokers-which is what motivates many people to lie on their life insurance applications.
To lie, or not to lie
With life insurance, a nonsmoker's application is due to be reviewed more thoroughly than a smoker's life insurance policy, because the premiums are so different.
It is possible for smokers to "cheat" the system, because nicotine clears out of your system within 72 hours after smoking your last cigarette. Cotinine is the primary metabolite of nicotine, and the most common identifier of nicotine levels. If the urine test is given 72 hours after your last cigarette, the nicotine level may be low enough to escape detection. This is theoretically possible for even the heaviest of smokers.
You passed! Now what?
The policy between you and your insurance company is a legal contract, so it is important that you do not lie about your smoking habits. If you were caught lying during the underwriting process, your rates would be bumped up to a smoker's rate when your policy is approved. No insurance company is going to come right out and says they are going to drop your policy if they found out that you were lying. However, some life insurance companies will place random phone calls to applications who are questioned on a multitude of things, even smoking. The survey is designed to weed out liars by listening for inconsistencies in the applicants' answers.
What happens if you are caught?
The worst thing that could happen if you are caught is that your life insurance policy will be issued at a higher rate.
What if you start smoking after the policy is issued?
Many life insurance companies go by the "don't ask, don't tell" idea. It is important to be truthful when filling out your life insurance policy, but if you start smoking after it's issued, you are not required to tell your insurance company. If you die, and your life insurance policy labels you as a nonsmoker, when indeed you began smoking, your death benefit will not be jeopardized.
If you are interested in purchasing a life insurance policy or would just like to get some life insurance quotes, log on to Insurance.com. Here you will be able to evaluate multiple rates from best-in-class life insurance providers - helping you find the best life insurance policy for you and your family.
from Insurance.com
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