I just looked and my VGLI went up to $68 a month from $52 cause I turned the big 40.

Bloodstone, my wife’s boyfriends are content to let me take care of things financially. They only want her for her body. Bastids.

Not true,we like her for her mind as well......I mean they do. X

food for thought MACS

http://cusoforlife.com/pdf/news/smoking.pdf 

Deke, I had my 457b with a company called 'Valic' last year. I got a 27% return on investment last year.

I am certainly not expecting that to hold year after year, but it was damn sure nice for one year.

I have since moved my 457b to our other carrier, Nationwide. I have it in a managed acct that costs me 1% per year.

Nationwide and Valic are the 2 carriers they offer at work and almost everyone I work with says Nationwide is the better choice, so I moved all my money.

20 & 22

LOL !!!!!!!!!!!!!!

^you made a 27% return and moved your money??? wow

X - remind me to let you pay my next mortgage payment. It's due wednesday, ya bastid. LOL!

Andy - I was absolutely truthful on my application and disclosed my cigar smoking. As some stated, I don't want any issues should something happen to me. I just want my wife to get paid.

^ good move. The failure to disclose has been discussed several times here -- not worth the risk IMNSHO.

I know there are some companies (John Hancock being one) that offer standard rates to the occasional cigar smoker, but most define occasional as being about 10 cigars a year. I don't smoke much, but I sure have more than one a month. LOL

Yo, Gringo...

http://www.navymutual.org/ 

MACS, I got a policy through selectquote.com a couple of years ago. Some companies really penalize you for smoking cigars while others not so much. They represent a lot of companies and we found a deal for like $79 a month for a $500k (I think those numbers are right) when I was about 40. Give them a try.

#15

Completely untrue.

Stop and you are a non-smoker. There is nothing in the policy that prevents you from starting smoking later.