Thanks.

fixed it for ya

c3s

In the end you would probably be better off investing more into your retirement accounts gaining interest than paying huge premiums to an insurance company for a fixed amount.

That is called a material omission or misrepresentation in civil law and fraud in criminal law.

Depends on the cost of the insurance though.

I have life insurance paid 100% by employer for 2 years salary.

I buy additional for less than $10/mo which increases my coverage to 3 years salary and covers wife and child for 10k each.

All life policies are subject to a 2 year contestability clause. Die before the 2nd policy anniversary date and they may or may not investigate depending on the cause of death. Past that point and it’s going to be paid 99.99999% of time assuming it’s an A rated or better carrier.

That being said, if a full blood workup is required don’t be surprised if it’s issued standard rate versus preferred if you’re in good health. Nicotine use can be determined from blood samples. Even if you don’t inhale nicotine is absorbed into your blood through mouth tissue.

I took the physical...they asked, "do you smoke?" I proudly said, "Yes, I enjoy cigars." After a quick discussion ("do you inhale?" - "heck no", etc.), the examiner said, "Non-smoker". I asked how that could be, he told me that (at that time), there was zero evidence that people that smoked cigars (without inhaling) were candidates for lung and cigarette-related cancers. I asked them to put that in writing...they did.

So, here is my question: Have things changed?

thank you.

Mario

What the hell would you know? Remember, this is the internet...

Shut up, dude. I know how to look things up...

I'm gonna use this story as justification for lying to insurance companies.

Whatever, Lawsuit McLawyerface. How would they find out?