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Last post 21 years ago by penzt8. 16 replies replies.
Insurance
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wbslngr Offline
#1 Posted: Mon, Sep 9 2002, 4:03 AM EST
Joined: 08-27-2002
Posts: 748
Has anyone here had any trouble getting life insurance or getting charge out of this world for it. Cigar smoking isn't as bad as cigeratte smoking right?
jazzman Offline
#2 Posted: Mon, Sep 9 2002, 4:22 AM EST
Joined: 11-06-2000
Posts: 1,012
just say you're not a smoker (cigarette). don't mention cigars.
Mr.Mean Offline
#3 Posted: Mon, Sep 9 2002, 6:05 AM EST
Joined: 05-16-2001
Posts: 3,025
Just say your an explosives expert.
WSUCoug Offline
#4 Posted: Mon, Sep 9 2002, 6:40 AM EST
Joined: 04-27-2002
Posts: 103
There are companies that have special rates (special meaning higher than non smokers but less than cigarette smokers) for cigar smokers. Principal Life is one. Cigar Af. did an artical on this a few years back, you may check their online archive.
GetYourOwn Offline
#5 Posted: Mon, Sep 9 2002, 7:04 AM EST
Joined: 04-05-2002
Posts: 734
Like they said answer truthfully. No, I am not a cigarette smoker. I looked in my crysatal ball and you don't need to worry about smoking. A bus is going to run over you on Feb 19, 2023.
wbslngr Offline
#6 Posted: Mon, Sep 9 2002, 7:09 AM EST
Joined: 08-27-2002
Posts: 748
Wow, and I was worried that all of my questions would never be answered and I would grow old and gray just wandering wondering.
xibbumbero Offline
#7 Posted: Mon, Sep 9 2002, 7:27 AM EST
Joined: 01-25-2002
Posts: 12,535
How come they're idiots when they lose and America's team when they win? X
GetYourOwn Offline
#8 Posted: Mon, Sep 9 2002, 7:43 AM EST
Joined: 04-05-2002
Posts: 734
X, HaHa You posted to the wrong thread.
rookie139 Offline
#9 Posted: Mon, Sep 9 2002, 8:48 AM EST
Joined: 03-02-2000
Posts: 2,149
If I remember correctly, Aberdeen (our bookselling friend here) had some experiences with his insurance co regarding smoking cigars a few months back
Keith
bud451 Offline
#10 Posted: Mon, Sep 9 2002, 8:52 AM EST
Joined: 09-11-2010
Posts: 2,237
My insurance company considers ANY type of smoking as a higher rist with higher premiums.

It doesn't pay to lie, you'll only be cheating your loved ones if something should happen.
WSUCoug Offline
#11 Posted: Mon, Sep 9 2002, 9:55 AM EST
Joined: 04-27-2002
Posts: 103
that and the nicotine shows up in the blood test you are required to take for most policies.
Slimboli Offline
#12 Posted: Mon, Sep 9 2002, 11:08 AM EST
Joined: 07-09-2000
Posts: 16,139
If you quit smoking for (I believe) for a couple of weeks, it won't show up. It may be more ...

There was extensive talk about this at CF awhile back ... check their archives in the 'Clubhouse Room'.
smokerings1 Offline
#13 Posted: Thu, Sep 12 2002, 7:17 PM EST
Joined: 08-26-2001
Posts: 76
Just talked to an insurance agent that joined our cigar group. Asked him this very same question. His reply was "Quit smoking for two weeks, take their tests and pass".
penzt8 Offline
#14 Posted: Fri, Sep 13 2002, 3:24 AM EST
Joined: 06-05-2000
Posts: 1,771
I started a new policy about 9 months ago. The insurance company sent a nurse (or someone dressed like one) out to my house to answer health questions and take specimens. She did a mouth swab and I had to give a urine sample. It's pretty standard practice for a lot of companies if you are getting a high coverage policy. One of the things they check with the mouth swab is nicotine levels.

I answered the questionaire honestly regarding cigarette smoking (I don't smoke cigarettes)and also volunteered the fact that I "occasionally" smoke cigars. The test results indicated a nicotine level that made my premiums higher.

I agree it's better to be honest when it comes to these questions because they can dispute claims against policies that were obtained with false information.
RICKAMAVEN Offline
#15 Posted: Fri, Sep 13 2002, 9:36 AM EST
Joined: 10-01-2000
Posts: 33,248
penzt8

i would like to hear more about this fantasy.
"The insurance company sent a nurse (or someone dressed like one) out to my house to answer health questions and take specimens. She did a mouth swab and I had to give a urine sample."

i'm sure that is what you told your wife, but i want to know more about the mouth swabbing, whose?

the yellow stream. i have heard of it but it didn't interest me.

am i starting to sound like marla?
cliffie3d Offline
#16 Posted: Fri, Sep 13 2002, 1:18 PM EST
Joined: 07-17-2002
Posts: 297
So you would be e-maven, or rick-chick?
penzt8 Offline
#17 Posted: Fri, Sep 13 2002, 3:11 PM EST
Joined: 06-05-2000
Posts: 1,771
I was a little suspicious when she said she had to hold it while I provided the specimen but hey who am I to question an authority figure?
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