Do Life Insurance Underwriters Have Emotions?
I know I go through some weeks sure that all life insurance underwriters are kind of mechanical. They look at the records and the labs and look in their underwriting guide and stamp the appropriate approval on it and then on to the next. No emotions. Just the facts ma’am! But then a day rolls ...read more
Well, Take A Puff On This Thought!
I will post this very quietly so as not to wake the life insurance underwriters who would likely leap on an article like this to do away with the great non smoking rates that cigar smoking applicants are getting right now. By the way, I haven’t seen this information shared in Cigar Aficianado. I remember ...read more
Smoking Cigarettes As Opposed To Cigars. Difference In Life Insurance Cost?
Well, if the last post didn’t hit on anything else important, everyone should at least know that smoking cigarettes can change your life expectancy, and not in a happy way. If you do smoke cigarettes and need life insurance, let me be very clear about this. You need to shop with gusto. Usually there are ...read more
When Is Tobacco Use Not Really Tobacco Use?
One of the biggest life insurance rate hits is for those who smoke. There is some logic to that given the link between cigarette smoking and cancer and heart disease, but are the underwriters throwing apples and oranges in the same basket and assuming they all taste the same? More companies than not bulk all ...read more
Cmon Cigar Aficionado, Tell It Like It Is!!
Several years ago Cigar Aficionado ran an article on life insurance for cigar smokers. It was a poorly researched article at the time and fell well short of giving the information needed for the cigar enjoying public to get the best rates possible. I have offered more than once to write a new article with ...read more
Preventive Radical Mastecomy?
Preventive medicine has been around for a long time. In most cases that takes the shape of being on medication for borderline cholesterol or blood pressure issues. In some cases where women have a better than average chance of having breast cancer, radical mastectomy is considered to be not just a cancer treatment, but preventive ...read more
Cigar And Pipe Smokers Need A Piece Of The Rock!
As I wrote that title it occurred to me that I might be showing my age. The advertising slogan for Prudential used to be (may still be?) “Own a piece of the rock”. Anyway, Prudential is a stand alone company when it comes to their treatment. In an article in Cigar Aficionado a few years ...read more
Smoking And The Good Old Days Of Life Insurance!
Ahh! The good old days when smokers were smokers except with one life insurance company, some smokers weren’t smokers. This actually wasn’t all that long ago, maybe a year and a half, but there was a company called US Financial who truly looked at things in a different way. This was a company that pioneered ...read more
Good News On Smoking And Life Insurance!
I know I’ve been all about the downside of smoking and life insurance this week. I’ve gone on and on about the valid reasons why life insurance underwriters are a bit brutal when it comes to smoking, especially in combination with health issues that are caused by smoking or are exacerbated by smoking. So, in ...read more
Calling All Cigar Smokers!
For all of you that have applied for life insurance and smoke cigars, and didn’t use the right company and agent, you’ve felt the sting of smoker rates. In general, cigarette smokers will spend 2-3 times what a non smoker will spend on life insurance given everything else being equal. I’ll try not to get ...read more
