Ignorance: The Gateway Drug

Generally speaking, if you smoke or use any tobacco in any form, insurers consider you' tobacco purchaser. This can double your cost you. No kidding. If you smoke cigars, pipes, use a nicotine patch, nicotine gum or any other such thing, let your agent may have learned. There are some insurers who'll consider you "non-tobacco" so you do not use cigarettes and which could save you thousands of dollars the actual years life of your policy.



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You might think that nice glass of red wine will calm you down. But alcohol will only provide temporary relief. Alcohol is a depressant and probably do be habit-forming. It is an imitation crutch likewise let not assist the underlying circumstance. The same is true for similar stimulants such as Cannabis.

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