Cigars & Life-Insurance... some real issues

Originally Posted by Zanaspus

I sold insurance a long time ago in a galaxy far-far away. My first call would be to you state bureau of insurance. THEY are the true arbiters of what qualifies as misrepresentation and the statutes on it. Should you find there is a finite statute on misrepresentation (which is what you did, like it or not. Please don't flame me, it's the truth), then relax. If there is no finite statute on misrepresentation, I would shop for a company who does not consider cigar smoking as smoking in the normal sense.

Again, no disrespect, and I don't mean for this to get hot and heavy, but if you smoke cigars and answer "no" to a smoking question, it's just a legal fact.

None taken. And I know it is lying, although they are really looking to target cig smokers. I was just curious as to how some have handled it. I don't want to get a ridiculous rate because I put down 'yes' because the risk isn't anywhere close to the same between me and a smoker. I have yet to hear of any cigar-only smoker dying of a cigar related illness, although I'm sure there are some...

Thank you kindly for your advice.