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Old 03-09-2011, 06:54 PM   #1
floydpink
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Default Re: Life Insurance question

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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Old 03-09-2011, 07:01 PM   #2
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Default Re: Life Insurance question

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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Old 03-11-2011, 08:15 AM   #3
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Default Re: Life Insurance question

Quote:
Originally Posted by floydpink View Post
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.
This.

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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