Cigars & Life-Insurance... some real issues

[T.G]

Originally Posted by T.G

Actually, most, if not all, of them can cancel you within a certain period of time (like a few years) - after that, most can't.

Difference between getting older and smoking is that getting older you have no choice in the matter. Smoking is a voluntarily chosen and assumed known health risk.

Oh, and BTW, just to add to that...

If the insurance company cancels your policy due to tobacco use or refuses you because you claimed no tobacco use and they caught you with a blood test, then you have to declare on any future policy that you might apply for, that you have been refused coverage and why (if requested by the potential insurance company). This could quickly snowball on you into considerably higher rates than had you just found a carrier that would insure you for a little bit extra per quarter.