Insurance 101 - Find a way not to pay.
Insurance 102 - Look for false information on application
Insurance 103 - Smoking related death check around and see if he used Tobacco and last time I checked Cigars were Tobacco
Masters Degree - See if he was buying cigars, ask neighbors and friends, ask family, and keep checking till you find a way out of paying.
Insurance PHd - Tell the Mrs and Kids too bad!
