Cigars and Life Insurance - Page 2

forgop · 05-30-2011, 08:01 PM

Yeah, insurance companies will do everything they can to deny paying a claim.

After my gma died, I grabbed the secret box she kept in her HVAC duct. It contained all kinds of important documents, one of which was a letter denying a payout for my grandfather's life insurance because he denied having any kind of heart disease. Sure enough, heart disease was the primary cause of death not too long after the policy was purchased (a couple of years I think) and they were so kind to provide her a check in the amount of the insurance premiums that had been paid.

It may cost a little more, but if you take out a policy for $100k, $500k, a $1M or whatever, this isn't what you want your family to contend with upon your death. Once I get back to work in a little over a year, I plan on shopping around for some life insurance plans of my own.

05-31-2011, 06:39 AM

In my experience it is cheaper getting quotes online. Some of the top insurance companies offer discounts when ordering online, because it is less work for them. But to be safe you could compare rates online, pick the best offer and try a local agency to see if they can match it or do better.

pnoon · 05-31-2011, 06:45 AM

[quote=richard96;1279656]In my experience it is cheaper getting quotes online. Some of the top insurance companies offer discounts when ordering online, because it is less work for them. But to be safe you could compare rates online, pick the best offer and try a local agency to see if they can match it or do better.

Welcome Richard. Or is it Marc?
Welcome to Cigar Asylum.
Why not introduce yourself in the New Inmate forum and tell us a bit about yourself. Where are you from? What cigars do you enjoy?

05-30-2011, 08:01 PM	#1
forgop Not a puffer Join Date: Oct 2008 First Name: Duane Location: Indianapolis, IN Posts: 2,869 Trading: (40)	Re: Cigars and Life Insurance Yeah, insurance companies will do everything they can to deny paying a claim. After my gma died, I grabbed the secret box she kept in her HVAC duct. It contained all kinds of important documents, one of which was a letter denying a payout for my grandfather's life insurance because he denied having any kind of heart disease. Sure enough, heart disease was the primary cause of death not too long after the policy was purchased (a couple of years I think) and they were so kind to provide her a check in the amount of the insurance premiums that had been paid. It may cost a little more, but if you take out a policy for $100k, $500k, a $1M or whatever, this isn't what you want your family to contend with upon your death. Once I get back to work in a little over a year, I plan on shopping around for some life insurance plans of my own.

05-31-2011, 06:39 AM	#2
richard96 Guest Posts: n/a	Re: Cigars and Life Insurance In my experience it is cheaper getting quotes online. Some of the top insurance companies offer discounts when ordering online, because it is less work for them. But to be safe you could compare rates online, pick the best offer and try a local agency to see if they can match it or do better. Last edited by pnoon; 05-31-2011 at 07:38 PM. Reason: removed spam

05-31-2011, 06:45 AM	#3
pnoon YNWA Join Date: Oct 2008 First Name: Peter Location: San Diego Posts: 29,919 Trading: (20)	Re: Cigars and Life Insurance [quote=richard96;1279656]In my experience it is cheaper getting quotes online. Some of the top insurance companies offer discounts when ordering online, because it is less work for them. But to be safe you could compare rates online, pick the best offer and try a local agency to see if they can match it or do better. Welcome Richard. Or is it Marc? Welcome to Cigar Asylum. Why not introduce yourself in the New Inmate forum and tell us a bit about yourself. Where are you from? What cigars do you enjoy? __________________ Be more concerned with your character than your reputation, because your character is what you really are, while your reputation is merely what others think you are. -John Wooden Last edited by pnoon; 05-31-2011 at 07:38 PM. Reason: removed spam