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Increased Life Insurance Premiums for Smokers and the Obese
People who are perceived to be unhealthy as a result of smoking or obesity are facing increased life insurance premiums as a result.
Consumers who smoke could pay over £2,000 more on their insurance policy than non-smokers according to price comparison website, Moneysupermarket.com.
And insurance companies are to introduce a ‘fat tax’ for people who are overweight which could be as much as 50 per cent higher on new premiums, with the threshold at which the higher rate starts, set to be lowered.
Moneysupermarket.com revealed that a 35 year old man wanting cover of £100,000 over 25 years would be paying £17.68 a month with Scottish Provident if he was a smoker, where as if he was a non-smoker, he would only be paying £9.91 a month which equates to 44 per cent saving or £2,331 over the term.
Life insurance premiums can be as much as half the cost for people who don’t smoke, with insurers not recognising someone as a non-smoker until after twelve months of giving up the habit.
Head of protection at Moneysupermarket.com, Lousie Cuming said, “In order to be classed as a non-smoker and qualify for life insurance premium savings, insurers insist smokers have kicked the habit for a full year. The difference in premiums between a smoker and a non-smoker is vast and there are significant additional savings to be made simply by shopping around for the best deal to suit your circumstances.”
With the NHS Stop Smoking Service reporting an increase in the number of people quitting smoking since the introduction of the smoking ban in public areas on July 1st 2007, Cuming went on to say, “Smokers often benefit from a higher income from pension payouts in retirement due to lower life expectancies. However, most people value the health and lifestyle benefits of quitting early and a significant slice off your life insurance premiums could simply be the icing on the cake.”
Icing and cake however, should be avoided by anyone with a body mass index of 30 or more as this is the point at which insurance companies declare people as medically obese. According to Legal and General, 13 per cent of new applicants face paying higher premiums because they fall in to this bracket.
For a man aged 55 years old who is a healthy non-smoker with no weight problems, life insurance for £150,000 on a 25 year policy will cost around £1,000 a year. If he were classed as obese, the annual payment figure would increase by an extra £500.
Legal and General’s director of underwriting claims, Russ Whitworth said, “Most people understand that poor diet and lack of exercise can lead to health problems but they might not realise that being significantly overweight would also make their life insurance more expensive. Although it is not an exact science, we find that body mass index (BMI) is the best indicator of the risk of being overweight, so it pays to stay in shape.”
An Association of British Insurers spokesman said, “If you are obese, you are at greater risk of contracting certain diseases. It is just the same as increasing the premium for a smoker or somebody with previous medical conditions.”
About the Author
Phil Benson is an author of several articles pertaining to Life Insurance. He is known for his expertise on the subject and on other Business and Finance related articles.
Premium Rate Lines And The Role Of ICSTIS
This article outlines the regulatory services offered by ICSTIS. The article will help to understand what individuals, service providers and phone networks can expect from it.
It is an independent body that regularizes premium rate telephone services in the United Kingdom. It is a non profit making organization and consists of twelve board members and supported by a full time executive.
In order to operate as a Premium Rate Service operator in the UK you need a registration with ICSTIS. At the time of registration the service providers must provide certain information to the regulatory body. After verifying the details an approved number is offered to the service provider.
The service provider must provide some minimum details to get a license. Some of these details are the telephone number ranges with which it wants to offer services, any website address that the service provider may need to link as part of the service, and the contact details of the directors. Once the registration is done the service provider is given a Service Provider Registration Number (SPN).
The important point to note here is that you need to register only once as a service provider. The charge that a service operator can charge is up to UKP1.50 per minute.The service providers should take care of any relevant legal and regulatory conditions before embarking on the service.
There are some areas of PRN services which are outside the purview of ICSTIS. These are legal, technical, commercial and matters related to services that do not charge via premium rate.
Phone networks planning to offer PR services should also register before they can start their services. This applies to communication providers who wish to start originating services and terminating services for premium rate numbers.
If you start your services without registration the regulatory body has the rights to initiate investigation against your firm. Also you have to pay a levy on the revenues that you generate to the regulatory body.
It also takes initiative to ensure that people using the PRS are not taken for a ride by the service providers and the network companies. It has given a mandate to the service providers to offer precise and accurate pricing information, genuine advertising and service content.
ICSTIS has certain powers to bar companies from operating Premium Rate Services if they breach the code of conduct of operations. It takes around 30 days to get a clearance and start services. The investment for a service provider can be from nil to UKP50.00.
Once you have a service provider license from you can start any service such as weather forecasts, adult entertainment services or technical support services for hardware. ICSTIS plays the role of the overseeing body of this industry and interestingly enough is funded by the PR companies themselves and not Government.
The organization is offering a relentless service for the benefit of consumers, providers and operators. Without its presence we could have been in a jungle out there in this highly lucrative industry.
About the Author
Get all of the latest in premium rate numbers and premium rate lines secrets and tips from one of the best premium rate lines and premium rate numbers resources at http://www.premiumratetelecom.com/ Be sure to check out our premium rate numbers and our premium rate lines review pages on our web site.
