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#1 |
crazy diamond
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Don't lie.
The amount you save for being a non tobacco user isn't nearly worth the risk of having your family need the insurance, and it getting denied because they discovered you lied. Tell them the truth and let the chips fall where they may.
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"If we weren't all crazy we would go insane" |
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#2 |
Gramps 4x's
![]() Join Date: Oct 2008
First Name: Horatio Seymore Hiny
Location: Boca Raton - North of La Habana
Posts: 8,774
Trading: (8)
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There is a long thread on this subject with lots of great information.
As Pete said, don't lie. Cigar only will not show on your test. Not a drop showed on mine and I had to fight with the agent to make sure he put me down as a cigar smoker as he did not want to.
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Little known fact: I am a former member of the Village People - The Indian |
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#3 | |
He Who Dares...WINS!
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If you kick the bucket next week and they find out you smoked? They can, in theory, negate the insurance. Not worth it. |
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