Quote:
Originally Posted by wayner123
If you tell them you smoke cigars and the test is clean, they still might put you on a smoker's rate.
|
You are correct. That is why any "shopper" of insurance needs to either do their homework or works with somebody who will find them the best company to underwrite their habits, and/or health conditions. Prudential is most favorable for cigar smokers, as stated earlier by somebody else. But again, each company underwrites certain conditions differently, so it is important to do your research prior to signing where indicated on an application.