Cigar smoking and Life Insurance premiums.

[brigey57]

I recently applied for life insurance and was struck during the agents questionnaire "Do you smoke?" Not if you smoke what type of product do you use, or how often do you smoke, but do you smoke?

I asked the agent if smoking an occasional cigar qualifies as "smoking?"

The response from the agent was "yes" and "do you smoke them frequently" and then "when was the last time you smoked?"

They apparently take a blood sample and determine from the reading the level of nicotine in your blood.

Have any of the brothers recently applied for Life insurance and what was the results? Were you granted insurance at a reasonable cost or did they jack up the premiums just for you? Did you ultimately buy the insurance from that agent/company or did you purchase it with or through someone else?