I have a 64 year old male that lives in FL who is a long distance truck driver. He keeps a cigar in the corner of his mouth almost all of the time. He does not light, says it is only there for the taste. I am looking for a no-tobacco rate. I know about Americo, but want another option. Made several calls with no luck.
Question About Tobacco Use
- Thread starter billyb
- Start date
- 913
American amicable and sentinel security life will both give this guy non tobacco rates.
- 18,984
AmAm says "occasional" and they won't define occasional.
It wouldn't be an issue if he lives 2 years. But if he died in the contestable period they find a way to not pay.
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If he says no to the question then it's no. It would seem he is a chewer but I would ask him the question.
- 3,990
If he doesn't smoke it I fail to see the question. If I like to carry around insulin as fashion statement does that make me a diabetic? Be safe at write it with Americo.
- 1,912
I second checking with AmAm. One of the most well run insurance companies in America. Call their underwriting dept, and you'll get the same answer no matter who answers.
- 3,990
Shame their product leaves a lot to be desired......
- Thread starter
- #7
I called Sentinel Security and they said he would be considered no-tobacco so I am going to write the application with them. They also have the lowest price.
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Americo made me mad because I submitted an application to them and they offered ROP because the man had a MIB years ago. He was declined by MOO on a fully underitten application because he was an undiagnosed diabetic. Since the condition is controlled. Americo said the product is not priced that allows them to develop a risk in his case.
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Americo made me mad because I submitted an application to them and they offered ROP because the man had a MIB years ago. He was declined by MOO on a fully underitten application because he was an undiagnosed diabetic. Since the condition is controlled. Americo said the product is not priced that allows them to develop a risk in his case.
- 3,990
Don't write UP, use Eagle for instant decision.
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