Cigars and Life Insurance

[thebayratt]

I have BCBS of AL and no mater if its cigarette, cigar, or snuff; they consider you a "tobacco user". They give discounts as being non-tobacco with the plans they offer at work. But if you select non-tobacco, they swab your mouth and send the results off.... I don't know how far back the test is good for, but needless to say my insurane went up $35 a paycheck this year because of my honesty.

[icehog3]

Originally Posted by thebayratt

But if you select non-tobacco, they swab your mouth and send the results off....

Whoa, then they would know about my syphillis too......bummer.

[Bill86]

Originally Posted by icehog3

Whoa, then they would know about my syphillis too......bummer.

Well yeah, but you can rest easy knowing that hooker is paying a higher rate too!

I agree with Tyr it would be bad to lie to them, for your families sake. If you pay all those years, kick the bucket and they don't give you $hit......you're death could be a lot harder on those you left behind. It just doesn't seem worth it.

Luckily ill never need life insurance.

[Subvet642]

Originally Posted by Bill86

(SNIP)...Luckily ill never need life insurance.

Planing to live forever?

[Bill86]

Originally Posted by Subvet642

Planing to live forever?

Hardily. No marriage, no kids = no life insurance...Unless the cats I end up getting want a Maserati. Then I suppose.

[taltos]

Originally Posted by icehog3

Whoa, then they would know about my syphillis too......bummer.

I thought that they had to swab something else for those results. On a more serious note, when I bought additional life insurance about 15 years ago, Prudential was quite friendly to cigar smokers. I reported 5-7 per week and was not hit with a surcharge. I have no idea of their current policies. We did have a thread that reported on insurance company attitudes, not sure where it is at this time, search might help.

[Costa]

Originally Posted by taltos

I thought that they had to swab something else for those results. On a more serious note, when I bought additional life insurance about 15 years ago, Prudential was quite friendly to cigar smokers. I reported 5-7 per week and was not hit with a surcharge. I have no idea of their current policies. We did have a thread that reported on insurance company attitudes, not sure where it is at this time, search might help.

Awesome, awesome info guys, all of you, thank you! I will start that search tonight.

Again, thanks!

[smokinpeace]

Originally Posted by taltos

Prudential was quite friendly to cigar smokers. I reported 5-7 per week and was not hit with a surcharge. I have no idea of their current policies.

I believe their current policy is very friendly to cigar smokers. If you list yourself as a cigar smoker they disqualify you from the Preferred Plus level but there is no further penalty. So basically they will not allow you to have their best health rate but do not penalize you any further. If you have any medical issues (weight, blood pressure, cholesterol, etc) you would not get this rate regardless. For me, Prudential cost the same as would have gotten for non-tobacco use with other companies and they cannot deny a claim based on my cigar smoking. I don't have to worry and it did not cost me one cent.