Tuesday, March 18 2008
Blog by Ed Hinerman
Editor's note: A couple of months ago, I wrote a blog about the "smoker or non-smoker" issue associated with cigar smokers who apply for life insurance policies. This blog by Ed Hinerman sheds a ray of light on the subject. - G.K.
There are plenty of life insurance companies out there who will look the other way on cigar smoking as long as you are truly an “occasional” smoker. Each company has their take on what occasional means.
For a few companies you need to save those cigars for true celebrations, and then only for a few a year. You need to pick and choose your occasion wisely if you want them to ignore the habit in underwriting with some companies allowing as few as 2-4 per year. There are companies that must have golfing, cigar smoking CEO’s, These companies have stretched occasional to as many as a dozen a year.
Blog continues at hinermangroup.com...
