Getting Denied For Health Insurance is Easy

negative factor, causes expected mortality and morbidity to be worse than average and the degree of variation is of such significance as to warrant separate classification. So important is this factor that the average female smoker can be expected to pay almost double the rate of the same non smoking male of the same age.  Occupation: Occupational hazards are not as important today as they were in the past, although in certain cases they can be. They may increase the risk in at least three different ways. First, the occupation may present an environmental hazard, such as exposure to violence, irregular living, or a temptation to experiment with drugs or overindulge in alcohol. Second, the physical conditions surrounding an occupation can have a bearing upon health and longevity, as in the case of persons who work in close, dusty, or poorly ventilated quarters or are exposed to chemical toxins. Finally there is the risk from accident, such as is faced by professional automobile racers, crop dusters, and scuba divers. An individual who has recently changed from a hazardous occupation to a safer form of employment must be underwriting carefully, as he or she may still retain ill effects from the earlier job or because the change may have been prompted by a health factor. It is common to see increased premium rates for bartenders, telemarketers, tattoo artist, truck drivers, actors, singers, artist, and servers to name a few if they get accepted at all.  Alcohol and Drugs: