Smoking Cessation

Each insurance company has their own policy on this and therefore it varies from one company to the next. If you are a smoker when you apply you will get the smoker rate. If you were to quit the next day the "non-smoker" ticker timer starts. Some companies will re-rate you as a non-smoker in one year others two and still others three.

Here are some more variables. Some will simply take your word for it on a signed document others will test you either by blood test or hair follicle to see if you are still in fact nicotine free. This then also includes testing you for Chew, pipe, cigar and even pot, all of which would rate you as a smoker or tobacco. Another variable is that some companies will give you non-smoker rates even if you smoke pipes or cigars.

There are a select few companies that will actually start the "non-smoker" ticker based on the date that you quit smoking. So in other words if you quit 6 months ago and are currently applying for insurance, you would be eligible for a non smoker rate in 6 more months.

Some of these companies will guarantee you a re-rate as a non-smoker rate once you meet their guidelines regardless of current health. Others will actually underwrite you again and even if you are smoke free your health may have changed and because of this they will maintain the smoker rating.

As you can tell there are a lot of variables in this and that is why you should be working with a knowledgeable broker that works with no allegiances to any one company that can point you in the right direction from the start. This will inevitably save you time and money. For instance, if you told me you were intending to quit smoking, I would point you towards the company that might be a few dollars more now as a smoker but has a guaranteed reduction in premium if you quit for a year, rather than pointing you towards the cheapest policy up front that might actually have a 3 year waiting period...in the end that would cost more.

Incidentally, once you are re-rated as a non-smoker, it is now contractual, so even if you did go back to smoking, you will not be penalized.

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You definitely shouldn't change your policy and then start smoking again. I am amazed at how many people try to do this. Even if you do quit smoking and get the non-smoker rate if you have nicotine in your system when an unfortunate accident or death occurs they will deny your claim and your beneficiary will not get a penny. It is called insurance fraud. If you are not dead they may then pursue legal action against you. Your choices are to either quit smoking or pay the higher rate.

It will take several months to years for nicotine to be out of your system. The nicotine is processed and expelled from your body reasonably quickly but a by-product called cototine is produced. This also shows up in your test and only comes from nicotine so they know you are lying. Best case scenario I have ever seen was 3-5 months. If you make it that long without smoking you could probably quit permanently. I have one client who claims he has not had a cigarette in two years and still tests positive. You can expect to pay at least 100% more for your policy for the smoker rate.

Dog the Bounty Hunter has not did any recent interviews about quitting smoking.

Talk to her calmly. She might be stressed about something because of which she has taken to the habit of smoking. If possible, cajole her to share her problem with you. Lend her a patient ear. Stir up her emotions to motivate her to give up smoking. Talk about the health hassles. Even if she doesn't relent, don't lose heart and continue your efforts. However, never lose your cool.

dont think so

No.

If you are referring to occasional spots in your field of vision, it is not terribly unusual. If they continue more than a few weeks, or get worse, you might see an opthalmologist. If you are over 40, it's about time for a visual exam anyway.

Quit or buy illegaly.

Use love, tenderness, patiently explain the benefits of quitting smoking, don't do it alone, ask for help from friends, tell him that to quit is not difficult, search websites for advices. You can't force, smoking is often very difficult for some people to quit it.

That's a question that involve time and efforts.

Actually they can over time. It takes about a few years but if you start smoking again it will ruin all your progress and will have to start over the quiting process.

At first, to impress their friends and maybe to rebel against the parents and teachers. After that phase, it is the combination of assimilation with the peer group and pure addiction.

yes, in like 1992

What a shame he quit, research has shown smokers have drastically reduced rates of Parkinson's disease.

http://www.sciencedaily.com/releases/2007/10/071024093555.htm

"Studies conducted over the last 40 years show that the incidence of Parkinson's disease is about 50 percent less in smokers than in the general population. Recent studies in experimental models suggest that the nicotine in smoke may be responsible for this neuroprotective effect."

Yes. Snus is more effective than other NRT products, like nicotine gum and patches, at helping people quit smoking.

Generally not. If ringing in the ears has occurred at the same time as stopping smoking, this is more likely to be concidental than not.

yes he does smoke?

If you are taking Adderall because you have ADHD or narcolepsy, the first thing you need to realize that, neither the government nor doctors will tell you, is that you are smoking to combat the symptoms of your ADHD and/or narcolepsy. Nicotine is a potent stimulant that has the same effects as amphetamines on the brain. Indeed, there are a couple of scientific studies that have even recommended that a safe form of nicotine be explored for the treatment of ADHD. The effect of taking nicotine with Adderall is to potentiate (make more powerful) the Adderall.

Mine improved within a couple of weeks, and continued to get more acute for about two months. By that time I was used to smelling things again, and didn't notice any further improvement.

A hidden advantage to getting your sense of smell back is that it helps you avoid relapse to tobacco, since you can tell how nasty smokers and their surroundings really smell.

Gastritis results from an infection in the gastrointestinal tract. There is some evidence that the consumption of alcohol reduces the severity of the disease because of its anti-microbial action.

You keep the patch on for 24 hours and it slowly administers small amounts of nicotine into the body. It helps with the sensation of "needing" cigarettes. Also, the 21mg patches are not meant for someone that smokes lightly. They were made for people who are smoking a pack a day that cannot curb their addiction using cold turkey.

You can get addicted to the patches if you dont do them right.

depends when you started and ended

the answer to this question is no it actually doesn't but many people thnk it does

Its weed just really strong weed could be the strain shiva skunk

There are no federal laws proscribing smoking in those places, but many states, such as New Jersey, have done so.

yes. i mean, it'll be harder, and take more will power, but it is possible Update: Yes, it is possible to quit smoking without any support from exterior but as mentioned above it is going to be EXTREMELY hard, especially if you are a serious heavy smoker. However, there are many ways to achieve that commitment which is basically the most important aspect of starting the whole cigarette cessation program. You have to be truly determined to stop smoking and understand all the negative and secondary effects of tobacco on your mind, body and soul. You have to be victorious - otherwise you are not going to have success. Never give up - always try harder and you are going to achieve your goal. Good luck!

Probably not, but it will help keep them from worsening as rapidly. Smoking and sun exposure (or any tanning) are the primary causes of prematurely aged skin and wrinkles.