Information on Drug Abuse

The truth of the matter is that if you are addicted to narcotics then you will pay more for your all of your life insurance premiums. The insurance companies have a table called the morality table. This table provides them the rates for all life insurance policies. It is based primarily on stats that have been gathered over many years about different types of narcotic moralities. These life insurance companies have been using statistics like these about death as their basis for what they will charge for the monthly premiums. They calculate exactly how people die, how many die from a particular narcotic and what the ages are of those who die.

Simply put, if you use a narcotic for an extended period of time, you will have a premature death. Therefore, these insurance companies must charge an extra fee on top of the regular premium. It is logical that they will need to pay off a drug addicted death much earlier than a person who does not use drugs. Simply put, people who use narcotics have a much greater chance of dying earlier. It has been a proven fact for years.

Narcotics have hundreds of dangerous chemicals that cause death. Many of these chemicals are known to also cause birth defects. As a parent, can you imagine the danger of a narcotic to an unborn child? If that is not bad enough, there is the added cost of maintaining a habit of narcotic use.

Therefore, if you will are in the process of purchasing an insurance policy be prepared to pay a higher premium. Studies show that narcotics are responsible for many health issues. They can promote heart failure, high blood pressure and destruction of the nervous system. There is good news however for those who quit. You will live a long and prosperous life.

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