Re: Term Life Insurance Question
Joel K. 'Jay' Furr
news:1114100895.9...@g14g2000cwa.googlegroups.com:
> I applied for term life insurance as a non-smoker. However, the
> application asked "Have you ever consumed any tobacco product? If so
> when was the last time you consumed a tobacco product:__________
> quantity:_________"
>
> Well, my wife usually gets me a nice cigar for Christmas and one for my
> birthday. I told the agent this, and asked incredulously if that would
> knock me into a smoker's bracket. She stated that it was a
> possibility, even hinting that maybe I should have lied on the form.
>
> WTH? Would two cigars a year really make you "a smoker" for insurance
> purposes????
I would imagine that they've found that most people who "enjoy a cigar now
and then" or "once or twice a year" used to smoke a lot more. I've been
told by an agent that if, say, you smoked a lot in college and up until,
say, age 27, then stopped, they still will treat you as a smoker for
insurance purposes.
Fortunately, I've never smoked, not even once. As a borderline asthmatic
in high school and college, it didn't seem like a good idea to start.
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a cownfluence