Man... do cigars f**k you in the drive-thru, or what?

I'm just looking for a 500k policy. I'm 40 and in good health and the bastids say because I enjoy the occasional cigar, it's $145 a month. Whereas, if I did not "smoke" it'd be about $65.

W...T...F!?

Anyone have any (legal) advice on where to get a decent policy without lying about my cigar smoking?

Why do you "need" life insurance?

the drive thru..??????

it's gay pride week here in boston, i hate to think what kinda traffic their gerbil drive-thru's are experiencing.

2. I am surprised someone would even ask that question. Seriously? .

seriously. it doesn't keep you alive.

(Eyes rolling) hwah hwah

Because if I should pass away, unexpectedly, I would want my wife to be comfortable and worry free. We have no bills to speak of, but we do have a mortgage that she would not be able to afford on her own. And I figure, if she is unfortunate enough to lose a guy like me... money would at least make her feel better about it.

my wife's stepfather refused to spend the money on life insurance.. greedy bassard.. it would have helped her mother in countless ways even if it was just 100k...

I would just take the $$ you are going to throw away on life insurance and use it to pay down your mtg faster.

^ You don't think one of her boyfriends would pop the question after your death???

I so fonny.

Have you checked with Matrix, Zurich, and Quotesmith?

11 for 8

You can usually buy more non rated Term life through your employer at great prices. Check that out through personell..

MACS, what happens is the nicotine turns to continine. That is what they test for. If you quit smoking for 30 days, the nicotine from cigars would be gone from your system.

email me at rutro 51 yahoo. I will fill in you in on the rest of the story and what to do. I will get back to you later today. I have to go out this afternoon.

^hmmm...I believe that may be known as "fraud"

Besides...if they do an autopsy, they would find it and then your loved ones would be needlessly fuqed at a time when they needed that money the most.

^ but if you die suddenly while on the crapper smoking a cigar, will they test your blood and not pay out if you die?

VGLI is cheaper.

Yea what 15 said. 16 for 14.

Can you get insurance through work and pay extra for higher coverage? I was looking for a policy through Prudential, and they did not consider cigars to be the same as cigarettes and it did not affect the premium. Told them I averaged 1 smoke a day ..... key is average.

c3s

I went thru NFCU, actually. They directed me to Navy Mutual. I got the policy I wanted for me and a rider policy for my wife for $60 a month.

It is a term policy that only lasts until I am 50, but that's good enough for now. By then, my house will be a few years from being paid off and my investments, if they even pay out 7-10% should be looking good.

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

LOL!

Hey Shawn, you wanna hook a brutha up with you 7-10% return investments!?!?!?