Insurance for Smokers
Our company is excited to announce a new
short-term car insurance program for smokers. We understand that many
smokers may not have the cash flow that their non-smoker friends have as
they experience extra expenses including the cost of cigarettes and
smoking related materials, extra health care costs, and replacement of
clothes and other personal property that he or she damages as a result
of careless smoking. In addition, the smoker may have less income
because of absenteeism from work due to smoking related illnesses. This
is why our company is offering this new policy in order to help the poor
cash strapped smoker.
Besides the significant cost of paying an insurance policy for six
months or a year, the individual who has smoked for 35 or more years may
not live to enjoy the full benefit of the coverage that far in advance.
While some illnesses, such as emphysema and cancer give an individual
some advance indication of when he or she is going to die,
cardiovascular diseases, including heart diseases and strokes occur
suddenly without any indication. Your loved ones will have plenty on
their hands with taking care of your final arrangements without having
to concern themselves with trying to obtain a refund of your over
payment of your insurance premiums.
There is a downside to our short-term car insurance for smokers, which
we would like to be upfront and inform our customers. Because smokers
have a tendency towards using their hands for smoking activities, which
does detract from their ability to focus their full attention on their
driving, they have a higher tendency towards accidents than non-smokers
do. In addition, because of the increase in risk in sudden death or
unconsciousness while driving, we have to consider those as well.
Therefore, automobile insurance for smokers will cost more than for
people who do not smoke.
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On the positive side, our company is proud of the fact that we are the
first to offer short-term car insurance for smokers. Many companies that
offer discounts for customers who pay for their policies over a six or
twelve month period do not offer a refund in the event that the customer
no longer requires insurance or their refund is hardly proportionate to
what the customer paid. With our pay as you go program, you will never
pay for insurance that you do not need.
Finally, for smokers who refer their smoking friends to our short-term
car insurance program, we offer one free month of insurance for each
referral that purchases an insurance plan and stays with us for one
year. Try to refer your healthiest smoking friends, as we do not offer
partial rewards. In addition, your free month is not transferrable or
refundable so we hope you live long enough to enjoy it.
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