Cigar Asylum Cigar Forum - View Single Post - Cigars & Life-Insurance... some real issues

11-09-2009, 04:01 PM

In my opinion the simple answer is yes.

I told them 10 years ago that I was a tobacco user..............Cigars it changed my premium but I know that if something happens there is no way out. Full disclosure is the way to go.

I fully agree about talking to the broker and seeing if there are different rates for different usage levels.

The same question about Alcohol was asked of me.......do you use Alcohol I said yes.

Hell they even asked about drug use.........I simply asked for clarification..........as in I have tried Marijuana in the past (way past) but don't and won't use it going forward so that was a no.

11-09-2009, 04:01 PM	#20
SilverFox Guest Posts: n/a	Re: Cigars & Life-Insurance... some real issues In my opinion the simple answer is yes. I told them 10 years ago that I was a tobacco user..............Cigars it changed my premium but I know that if something happens there is no way out. Full disclosure is the way to go. I fully agree about talking to the broker and seeing if there are different rates for different usage levels. The same question about Alcohol was asked of me.......do you use Alcohol I said yes. Hell they even asked about drug use.........I simply asked for clarification..........as in I have tried Marijuana in the past (way past) but don't and won't use it going forward so that was a no.