Cigar smoking and Life Insurance premiums.

darkleeroy · 09-03-2010, 09:16 AM

I'm not sure where I heard it (might be the interview with my own life insurance I had) but some life insurance companies consider people who smoke more than 2 cigars a year as smokers, so you should ask your own company beforehand.

Ultimately this is something you get to ensure the well-being of your those remaining loved ones, you kinda don't wanna screw it up. The goal of an insurance company is to come up with a way to deny your claim.

Ahbroody · 09-03-2010, 09:51 AM

I told my wife I will be disclosing my cigar smoking. For both my own peace of mind and also incase something occurs. My policy is only 100k through her work because it was a cheap add on to her policy $9.00 more for 100 or 150k policy for me. I will likely get a prudential policy in the near future.

09-03-2010, 09:16 AM	#1
darkleeroy Adjusting to the Life Join Date: Jul 2010 First Name: Josh Location: Miami, FL Posts: 318 Trading: (0)	Re: Cigar smoking and Life Insurance premiums. I'm not sure where I heard it (might be the interview with my own life insurance I had) but some life insurance companies consider people who smoke more than 2 cigars a year as smokers, so you should ask your own company beforehand. Ultimately this is something you get to ensure the well-being of your those remaining loved ones, you kinda don't wanna screw it up. The goal of an insurance company is to come up with a way to deny your claim. __________________

09-03-2010, 09:51 AM	#2
Ahbroody Daddy x 4 Join Date: Oct 2008 First Name: Mike Location: San Jose Posts: 3,708 Trading: (53)	Re: Cigar smoking and Life Insurance premiums. I told my wife I will be disclosing my cigar smoking. For both my own peace of mind and also incase something occurs. My policy is only 100k through her work because it was a cheap add on to her policy $9.00 more for 100 or 150k policy for me. I will likely get a prudential policy in the near future.