Message Author
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Sat Nov 03, 2007 1:29 am   Post subject: tobacco  

I was talking to a client that I submitted a life app on. He wanted to know about rates for his brother, who had recently quit using dip tobacco. In the course of the conversation, he essentially disclosed to me that he quit using tobacco about the same time. Now, I'm going to have to call underwriting and let them know that he in fact did NOT quit using over a year ago.

It's no question that I'm going to notify underwriting, but I am kind of curious on something.

He had an oral swab, urine sample, and blood sample taken. I'm wondering if guys like this would have beaten the system had I not caught this.

Just how long ago would tobacco have to be used to show up these tests?

For example, this guy ACTUALLY quit about 3 months ago. Would it have shown up?

Register Now to have your Insurance queries solved.

PostPosted: Sat Nov 03, 2007 5:04 am   Post subject:   

Hello Anon,

Great job!! Too many agents I've dealt with would have just jokingly told the guy not to die of a tobacco related illness until the contestability period expired. Talk about leaving your E&O carrier's tail out on a limb.

Tobacco acts a lot like THC; the length of time it remains in your system depends on the proposed insured's frequency of use, physical make-up, build, diet, metabolism, and a few other things. I'm surprised that the phlebotomist missed it during the paramed - that doesn't usually happen.

You said he had an oral swab, urine, and blood specs taken. How did these results come back, or have they yet?

Most of the underwriters I know keep a file on agents who are not always as forthcoming as they should be. Keeping track of such things keeps their decisions from being questioned and ultimately saves the company money.

I can guarantee you that once your name is in "the book" your underwriting will take longer and very few (if any) questionable items

will be overlooked.

Keep up the good work!!

Community Consultant
Leave a quick message


Joined: 13 Oct 2007
Posts: 624

Location: Central California
60.68 Dollars($)

PostPosted: Sat Nov 03, 2007 10:46 am   Post subject:   

Anon, all I want to add is another 'Great job'. I know only very few agents that would offer up this new found information to their underwriter. Most (as InsInvestigatorins stated) would just keep quiet about it. Isn't it a shame that 'honesty and integrity' are the rarity today?

Forum Expert
Leave a quick message

Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Fri Dec 14, 2007 5:47 am   Post subject: Post shifted......  

Hi Quenlin, your post has been shifted to the following Url.




Ask your question to the Community Insurance Experts...
Site Admin
Leave a quick message


Joined: 18 May 2005
Posts: 1267

321.81 Dollars($)

PostPosted: Thu Jan 10, 2008 1:15 am   Post subject:   

I would have thought that all those tests would have caught it, at least one of them should have anyway. So, are you going to tell your client that you are letting the underwriter know about this? He may backlash and cancel the policy on you. I am curious as to what you are going to tell the insured?

Senior member
Leave a quick message

Joined: 04 Nov 2007
Posts: 1222

1.14 Dollars($)

Quick Reply
Your Name
Message body
All times are GMT
Page 1 of 1

Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See


Hot topics in forums

Latest in blogs

AmPmInsure on Facebook

Page loaded in 0.262 seconds.