Cigar smoking and Life Insurance premiums.

[CigarNut]

Originally Posted by kydsid

A staged question deserves a staged answer. And Because I feel that my occasional cigar is not smoking and therefore can honestly answer when asked, 'Do you smoke?', No. And if I haven't had a cigar in a week what are they going to find in my blood?

If they can find proof that you did smoke cigars when you signed up for the insurance then they can get out of paying out the insurance regardless of how you died because you "lied" on your application. This is from a friend of mine who sells insurance.

It's much safer (in terms of Life Insurnance) to say "yes" to the smoking question.