by Ed Hinerman | Mar 26, 2009 | cigar smokers, Independent agent, life insurance
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...
by Ed Hinerman | Dec 19, 2008 | cancer, cigar smokers, diabetes, heart disease, Independent agent, insurance, life insurance, smoking, Type 2 diabetes
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...
by Ed Hinerman | Oct 27, 2008 | cigar smokers, insurance, life insurance, smoking
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...
by Ed Hinerman | Oct 1, 2008 | blood pressure, breast cancer, cancer, cigar smokers, insurance, life insurance
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...
by Ed Hinerman | Jul 2, 2008 | cigar smokers, Independent agent, insurance, life insurance, smoking
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...
by Ed Hinerman | Jun 9, 2008 | cigar smokers, Independent agent, insurance, life insurance, smoking
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...
by Ed Hinerman | May 23, 2008 | cigar smokers, insurance, life insurance, smoking
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...
by Ed Hinerman | Mar 24, 2008 | cigar smokers, Independent agent, insurance, life insurance, smoking
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...
by Ed Hinerman | Mar 18, 2008 | cigar smokers, Independent agent, insurance, life insurance, smoking
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...
by Ed Hinerman | Dec 14, 2007 | bipolar disorder, cancer, cigar smokers, insurance, life insurance, prostate cancer, Sleep apnea
It is a rare thing in the life insurance industry when there is only one company that takes a stance completely contrary to all of the other companies. Prudential is just that bold. For as long as there has been life insurance and cigarettes, there has been testing to...
by Ed Hinerman | Nov 16, 2007 | blood pressure, cholesterol, cigar smokers, Independent agent, insurance, life insurance, term insurance
Just when you think you’ve seen it all! MSNBC takes the big bucks from Selectquote to misrepresent term insurance on national TV. Suze Orman is given the green light to puke out life insurance stupidity at Oprah’s expense. And now. CNN has obviously...
by Ed Hinerman | Jul 20, 2007 | cigar smokers, Independent agent, insurance, life insurance, private pilots, prostate cancer, Sleep apnea, term insurance
My grandfather used to do that. He would smoke them and chew them and spit and……well, he had a nicotine habit. Use of nicotine with life insurance companies is a pretty clear cut issue. If you use it, you are in the same rate class as a cigarette smoker....
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