Many wonder, “Can you get insurance if you smoke?” 

Well, to tell you honestly, It’s a ‘YES’ and a ‘NO.’

When it comes to smokers’ insurability…

What you’ll find is, it’s pretty much the same as when you have other not-so-great habits that might harm your health, or if you have a risky job.

The main idea here is…

Insurability depends on a bunch of things. 

So, thinking about insurance when you’re young is a smart move. 

You can make choices that fit your life.

Here’s some tips how to secure your life for the future:

Step 1: Check Your Risk

First, check mo sarili mo—your habits, what you eat, what you like doing, and where you work. 

Sometimes, these things might make insurance companies go, “Hmm…” 

Smoking is one of those things, but there are others like adventurous sports and certain jobs.

Step 2: Get Healthy, Always Do Safety Precautions

If you’ve found some risk factors in step one, don’t worry. Hindi naman ibig sabihin hindi ka kagad insurable. 

This is where you can change things for the better. 

You can slowly quit smoking, stay fit, and if your job is kind of risky, follow safety rules to be safer.

Step 3: Explore Options

Insurance isn’t a one-size-fits-all deal. Look around and see what different policies have to offer. 

Some insurance is actually flexible, so find what works best for you and your lifestyle.

So, to answer our question earlier, “Insurable nga ba ang smokers?”

It’s like a “Yes” but there are steps and forms you’ll need to handle. If the insurance company approves, you’re all set to get covered.

Sadly, there are times when “NO” is the answer, especially if there are early signs of illness. 

For example, if you’re a smoker and experiencing shortness of breath, they might see it as a sign of lung cancer.

Anyway, this is the second best time to act and protect your future at this early stage.

The first? It was yesterday.

But don’t worry if insurance seems confusing. It’s okay to feel that way. 

I must say that you’re on the right path by checking your options as early as now. 

Ready to secure your life for the future?

Take action to get the protection you need. 

And if you’re still unsure about the best route or you have questions about your own situation…

Let’s have a chat to figure out what’s perfect for you. 

Feel calm and secure about the years ahead.

That’s my concept of AngPao for Life.

Make the smart decision about your future—set up a call now! 😊


Related Reads:

Fully Covered Ka Na Ba?

It’s Expensive to Be Sick !

Health is Wealth Part 2

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