Quote:
Originally Posted by MrOneEyedBoh
Im young at 22 yrs old, I went with a 30 year life insurance policy and they too asked me. At the time I was using dip. They took blood at my home and sent it to the lab. I ended up with the same pricing as the original healthy adult male estimate my agent gave me.
Luck? Maybe so, but i have heard they do jack it up because your more at risk, so to say, than a healthy non-smoking male.
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On the other hand, the person you were speaking to is a Sales Rep. Maybe the insurance policy was already marked up so he/she could make some gross and when you had a nitch they did you a "favor" by just giving you the originally quoted estimate. In fact, they were probably still making gross even though you lost points for "smoking".
Most sales people will "try you on" at a higher rate or estimate to see if they have to peel you off the ceiling. Then, depending on your reaction, adjust the price you're given.
I sell cars.
