life insurance issues

J

joeinma

Joined Jan 2005

3 Posts | 0+

Discussion Starter
• Jan 25, 2005

• #1

Hello all, Newbie here. I've smoking a cigar a week since this past summer. I recently decided to look into life insurance. The application asks abour nicotine of tobacco use. Naturally I'd like to leave that one blank as I'm sure it.s going to increase the premium, but I'm also afraid of getting bagged when they do the exam. Is there a way to detect casual smokers? Anyone have this problem before?

 

B

Bloofington

Joined Sep 2003

9K Posts | 0+

Puerto Rico/NYC

• Jan 25, 2005

• #2

Discuss it with your agent and see if one cigar a week really constitutes tobacco use. I'm sure they'll say yes, and my advice about lying on applications for anything is, . . .

don't.

 

M

Macallan

Joined Jan 2005

1K Posts | 0+

Chicago

• Jan 25, 2005

• #3

They want to know about any tobacco over the past 3 years. They will test at the exam but it is not detectable after 3 weeks so make sure you lay low 3 weeks before the exam. If it is found later that you did smoke they cant proove it was before you applied and you will get better premium. But you did not hear it from me.

 

C

cigarsmoka

Joined Aug 2004

2K Posts | 0+

Chicago Born/Raised. Hollywood CA Resident

• Jan 25, 2005

• #4

My Insurance guy told me that one cigar a year will count as a smoker. I don't know about him or is agency anymore but that's just what I heard

 

J

joeinma

Joined Jan 2005

3 Posts | 0+

Discussion Starter
• Jan 26, 2005

• #5

Thanks for the advice.