insurance

bobd

Well my wife did not mind me smoking cigars until we began to look at life and disability insurance.  Since the occasional cigar smoker is the same as a cigarette smoker in the insurance companies eyes you get screwed.  So now I get to hear about how bad my 1 cigar a week or less is bad for me and that I need to stop so we can get lower rates.

I'm sure some of you have had to deal with this, is there any companies that take the type of smoking into consideration?  How have you guys dealt with this issue.

stephen_hannibal

Dark Roast

Risky move. Insurance companies are ruthless and leave very little to chance when paying out claims. They always expect odds in their favor so be creful.

phobicsquirrel

insurance companies can lick a dead animals nut! just my .02...

cholmes8310

Dark Roast

phobicsquirrel:

insurance companies can lick a dead animals nut! just my .02...

+1

bacon.jay

cholmes8310

stephen_hannibal

cholmes8310

Stryker808

I asked this question on another forum a while back when getting my insurance. The consensus was that if you don't smoke a cigar one to two weeks prior to the exam you should be OK. Whether or not that is medically correct i don't know, but it worked for me. didn't smoke for a week and a half took the test and non-smoker OKd. For whatever reason, mine was NOT an additional $25, but more like 25% more, guess it depends on the company.

stephen_hannibal

cholmes8310

Stryker808:

I asked this question on another forum a while back when getting my insurance. The consensus was that if you don't smoke a cigar one to two weeks prior to the exam you should be OK. Whether or not that is medically correct i don't know, but it worked for me. didn't smoke for a week and a half took the test and non-smoker OKd. For whatever reason, mine was NOT an additional $25, but more like 25% more, guess it depends on the company.

This is where I wonder about the differing types of tobacco. I can SEE a dipper having it in his cells for 6 months, since it contains fiberglass and cuts into the skin. And cigarette smokers smoke much more often, so I can see it lingering. One to two per week cigar smokers I just don't see it. I just took the advice at face value. The minimal cost diff is neglible

cholmes8310

undulac

Don't smoke for 2-3 weeks and you'll be fine. Also, many companies have cigar smoker rates which is a little higher than standard but much lower than smokers rates.

bobd

I think the real problem lies in the fact that even if you are ok'd for nonsmoker and something happens to you and they find out then that you smoked you are screwed.

KCW

phobicsquirrel:

insurance companies can lick a dead animals nut! just my .02...

Here. Here.

kuzi16

Hawk55

+2...they lie cheat and steal. Betting against us all the way.

kuzi16

poypoyking

I don't agree exactly with what Hawk55 was saying, but the majority of Insurance companies seem to go out of their way to not have to pay. Especially health insurance. I have had a much better track record with auto and home insurance.

Theedge

I'm trying to undestand why I don't just drop my insurance, and purchase it when I need it...isn't that how we work things now a day? The $695.00 fine is sure less than I pay now. I've heard they have to take it easy on you now too if you lie on your application. Obama rocks...

phobicsquirrel

poypoyking:

I don't agree exactly with what Hawk55 was saying, but the majority of Insurance companies seem to go out of their way to not have to pay. Especially health insurance. I have had a much better track record with auto and home insurance.

Very true because then they lose money. Auto/home Ins. is much more heavily regulated than health insurance, for sure. A have had my dealings with auto insurance and I can say it wasn't too bad but luckily mine was easy to work with unlike my friend's mothers insurance.

phobicsquirrel

Theedge:

I'm trying to undestand why I don't just drop my insurance, and purchase it when I need it...isn't that how we work things now a day? The $695.00 fine is sure less than I pay now. I've heard they have to take it easy on you now too if you lie on your application. Obama rocks...

695 fine? for auto?

Theedge

I believe the $695.00 is a fine per year if you chose not to purchase health insurance. You know, the big new health insurance bs the government is pushing. If you google health insurance fine articles will pop up for you.

kuzi16

zel02002

Check out www.leveltermdirect.com Cigar Smokers can get NON SMOKER rates on life insurance rates. This can save up to 70% from smoker rates. This is the easy way of solving that issue. GZ

sol1821

could be worse, for me to get insured on a car over here is $4700 and thats only a small cheap old car, with 3rd party fire&theft cover, I've got no driving convictions or previous accidents.

RaschNuts

i was lucky with my life insurance at work there was no medical exam up to 150K since im single and dont have a home its perfect. no worries about health issues and no questions. just sign.

Redtailhawkoz

jship079