Loan Insurance: Profile borrower smoker or no smoker
To subscribe to a loan insurance while being a smoker makes a study on many criteria (trade, activity, health,…) there is one however quite important when looking for a good cover to guarantee a credit; by answering the question honestly: Are you a smoker? you will be directed to the best insurance contract ready value for money according to your profile borrower smoker or non-smoker.
A broker to insure my loan as a smoker
Whether or not to smoke, does not change the recommendation to go through a specialist loan insurance broker, who will be able with a wider list of partner companies, to find a competitive rate compared to your profile borrower smoker, or non-smoker.
I smoked at the beginning of my loan but I do not smoke anymore today…
Your smoking status may change one way or the other during the life of your credit. A smoker becomes a non-smoker after 24 months without smoking, and can change his rate in relation to his current insurance if there is a premium in relation to cigarette consumption. The procedure is very simple, take a nicotine test and send the results with a request for reconsideration of the rate of insurance to the company that insures you. In case of refusal you can change your non-smoking loan insurance (with the agreement of the banker) to buy a cheaper one that will take into account your non-smoking status; with the same guarantees.
Credit insurance for cheaper smoker
Bank loan insurance is often more expensive for smokers than non-smokers. Lying to the question “Are you a smoker” can be strong to save on loan insurance, but be aware that any misrepresentation will be easily pointed out when requesting reimbursement by the insurance company. The insurer will consider the contract void and the borrower or his relatives in the event of death will have to repay the credit; you will then have paid a borrower guarantee for nothing. That is why the insurance broker-of-loan-not-expensive offers solutions of guarantee borrower smoker cheaper, so do not hesitate any more and subscribe your delegation with the broker N ° 1 for the smokers! Insurance solution for smoking borrowers often too expensive.
Rate of loan insurance when you are a smoker
The statistics are not good and the borrower insurance rates for smokers are higher for obvious reasons. Despite this, insurance companies have adapted the offer to insured smokers. The life insurance policy is the difference between smoker and non-smoker, but it is modifiable during credit.
If you are SMOKING and you pay a surcharge for smoking too expensive on your insurance? The cheap loan insurance broker offers the best loan insurance for smokers. With the Lagarde Law you are free to reduce the cost of your current protection!