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Last post 21 months ago by frankj1. 10 replies replies.
Today I start WITHDRAWAL...
mtsheron Offline
#1 Posted:
Joined: 04-29-2000
Posts: 528
Oh my God! It is the weekend and I must fast from cigars for the next 10 days to pass a blod/urine physical to get my $250,000 life insurance policy. Guys and Gals please help me I feel like the walls are closing in. I know I can do this. Was told by medical information to pass the nicotine test which will be one thing they look for I had to give up cigars for 10 days until my physical. I don't know if it's worth it! Please call me and read me bedtime stories to make the days pass real quick. please help, fading fast.
aberdeen Offline
#2 Posted:
Joined: 06-11-1999
Posts: 741
what I don't understand here, let's assume you pass the physical, then later die because of tobacco related illness, even though I doubt you have to worry about it from cigars, but let's assume for a moment it happens. Can't the insurance company then renage on its agreement because you violated the terms of the contract? Meaning you smoked cigars and had a non smoking policy. I get damn phone solicitors constantly at work plugging insurance, and easy to get rid of them, as they start out saying blah blah blah and non smoking, boom I tell them I smoke cigars and off they go. In fact I find it funny, to get rid of solictors I will tell them the most ridiculous things. They ask questions often with an obvious answer, then give their pitch, so I screw them up and give them a completely opposite answer and ends that call. But I digress. If I were you, I would say the hell with that, ten days could kill you anyway! Find a more tobacco friendly company, in the free market they are out there, I even hears advertisements providing low insurance rates for social smokers. And what the hell, the insurance company expects to refrain from booze as well? Does this place only insure monks?
aberdeen Offline
#3 Posted:
Joined: 06-11-1999
Posts: 741
looks like you don't have to refrain from booze, that's good, just spend the next ten days in a drunken stupor then.
Smokey J Offline
#4 Posted:
Joined: 09-18-2000
Posts: 49
I think there is a tea you can buy and drink that will take care of the test... but I really don't know for sure.
mtsheron Offline
#5 Posted:
Joined: 04-29-2000
Posts: 528
Actually this ins. company is tobacco friendly and allows you to smoke and can't renig on any related illness after accepted. They just don't want any nicotine in your system at time of blood work and urine test. In fact they allow cigar smoking as a acceptable client. If you want the ins. co. name and agent I went through e-mail me at: [email protected]
esplendidoschick Offline
#6 Posted:
Joined: 09-22-2000
Posts: 417
Hang in there babe! You CAN do it! I know you can!!! As a side note to everyone: and I don't want to make a gushing endorsement, but I read a book called The 9 Steps to Financial Freedom by Suze Orman. She offers 7 different sites to look up ins. quotes on the web. The 2 I liked are www.masterquote.com and www.quotesmith.com. There's also www.iquote.com and some phone numbers listed in the book. The book is a very informative read for all areas of your financial life. How many of you have 'put off' the dreaded estate planning? This book inspired my hubby and I to finally go do it. What a load off! It may help you evaluate your current insurer and/or to pick a new one. ps...I'm not in the ins. or book biz. Just wanted to pass that along to my buds. Hang in there MT, we're prayin' for ya!
gsu_guy_21 Offline
#7 Posted:
Joined: 02-03-2000
Posts: 58
Perhaps my youth clouds my judgment but how can an insurance company claim to be cigar friendly and allow smoking, yet force you to be nicotine free for the initial blood/urine work?
tailgater Offline
#8 Posted:
Joined: 06-01-2000
Posts: 26,185
Maybe it's a sort of Test. If you can go 10 days without so much as a puff, then you're a low risk because you are indeed a "social" smoker. If you fail, and couldn't go for even 10 days, then you are a heavy smoker and they won't take you at the same rates. Just a theory...
Palama Online
#9 Posted:
Joined: 02-05-2013
Posts: 23,450
Wonder if he still has that insurance policy?
frankj1 Offline
#10 Posted:
Joined: 02-08-2007
Posts: 44,211
or if his widow collected?
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