Cigars and Life Insurance

[taltos]

Originally Posted by icehog3

Whoa, then they would know about my syphillis too......bummer.

I thought that they had to swab something else for those results. On a more serious note, when I bought additional life insurance about 15 years ago, Prudential was quite friendly to cigar smokers. I reported 5-7 per week and was not hit with a surcharge. I have no idea of their current policies. We did have a thread that reported on insurance company attitudes, not sure where it is at this time, search might help.

[Costa]

Originally Posted by taltos

I thought that they had to swab something else for those results. On a more serious note, when I bought additional life insurance about 15 years ago, Prudential was quite friendly to cigar smokers. I reported 5-7 per week and was not hit with a surcharge. I have no idea of their current policies. We did have a thread that reported on insurance company attitudes, not sure where it is at this time, search might help.

Awesome, awesome info guys, all of you, thank you! I will start that search tonight.

Again, thanks!

[smokinpeace]

Originally Posted by taltos

Prudential was quite friendly to cigar smokers. I reported 5-7 per week and was not hit with a surcharge. I have no idea of their current policies.

I believe their current policy is very friendly to cigar smokers. If you list yourself as a cigar smoker they disqualify you from the Preferred Plus level but there is no further penalty. So basically they will not allow you to have their best health rate but do not penalize you any further. If you have any medical issues (weight, blood pressure, cholesterol, etc) you would not get this rate regardless. For me, Prudential cost the same as would have gotten for non-tobacco use with other companies and they cannot deny a claim based on my cigar smoking. I don't have to worry and it did not cost me one cent.