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Although I do my best to make sure that what I write is accurate and well researched, I cannot be held responsible and accept no liability whatsoever for any errors, omissions, or consequences resulting from the enclosed information

COPD is a serious and debilitating condition that affects millions of people worldwide

Research has found that people who quit smoking drastically reduce their risk of dying from a smoking-related disease

The Smokers Penalty : When underwriters review applications, they assign risk levels, often tagging smokers with a smokers penalty. This isnt a one-time fee but a categorization that places you in a higher risk tier, subjecting you to elevated premiums throughout the policys life

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