smoker status
If there have been changes to your smoker status since the inception of the policy, be sure to find out what your insurer’s requirements are in this regard as there may be an obligation on you to notify them, particularly
Diabetics can face a number of healthcare complications including heart disease, stroke, blindness, kidney failure, peripheral vascular disease, and possibly amputations and, when it comes to retirement planning, it is important to factor in the costs of healthcare as you
