[Blues Tiger]

Mods, move this if it's in the wrong spot.

O.K. I need to get some life insurance but I really don't want to have to pay the cigarette smoker rates. Are there any companies left that provide a compromise for cigar smokers? Also, I know many have said to just lay off the sticks for a few weeks before the physical and then say you are a non-smoker. However, wouldn't this void your policy in the event the insurer found out you lied after death? Just looking for opinions, advice, or suggestions please.

Thanks!
Jay