Buying life insurance - previous tobacco use?

[axle hongsnort]

am looking into insurance and was starting to fill out an online application to get the quote process going.

okay, so i smoked in college, but haven't had a smoke in 5+ years. haven't had a dip in 6 months.

some of the questions ask about previous tobacco use, how much higher are the premiums in light of historical usage???

how long after the fact can nicotine be traced in your system?

 

[tbone]

we just got physicals for new life insurance. They asked us if we had used tobacco in the last three years. We hadn't. We were both heavy smokers for a long time and quite 5 years ago. We got the non smoker rate.

Rates go up a shitload for users. This was State Farm.

 

[chitwood]

All I know is that I admitted to smoking one cigar every three months and never smoked cigarettes, and got downgraded for that. Don't want to suggest insurance fraud, but lie. They really pissed me off for dropping me a level for being honest and smoking 4 cigars a year.

 

[Anastasis]

Yeah, don't tell them about it. They won't be able to pick it up if you are more than a couple weeks out from smoking. Cigars are a no-no too I learned, first hand.

 

[tropheus]

your past dipping is a problem, the past smoking is not.

 

[johnny chimpo]

Absolutely lie about it - do not disclose it, they will not be able to detect it. My brother, who is not a smoker. didn't know any better and mentioned that he smoked a few cigarettes in college when he drank (he was 29 when he applied) and he was absolutely CRANKED on his premiums.

 

[kevwun]

They might give you a test, but it can't pick anything up that far back. I would lie. They're an insurance company and deserve it.

 

[uisge beatha]

I won't advise you on whether to lie or not, but from what I remember, it takes 3 days for the nicotine to leave your system. According to my doctor, the stress on your system (increase risk of heart attack) last for 2 weeks.

 

[CleverNickname]

Life insurance has an incontestability period (I think its 2 years in Texas), after which if they discover you lied about your smoking they would still have to pay on your policy. On the other hand if you die before then and the carrier finds out, then they will not pay a penny, just refund the premium. If you are a lawyer or otherwise part of a regulated profession, lying on an app can get your license suspended or revoked.

 

[uhlaw2k1]

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[CleverNickname]

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