We all pay higher premiums for health and life insurance when we are classisfied as smokers. If you are over a year of being smoke-free, call your insurance company. Tell them you need your policy re-evaluated because you have not smoked in a year. They will send you some forms in the mail or via email, You will have to take a blood test to show that there's no nicotine in your system. You also can tell them that your prefere your own doctor's office to do the blood work. Everyohe is not good at taking blood. Also, there are some people who need a butterfly needle used due to small veins. Call that insurance company and start saving money. I called my company today.
