As long as I don't have smoking related diseases, I won't bother to tell them.

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PostPosted: Sun Jan 20, 2008 3:08 am   Post subject:   

Where did insurance maze go? Not really ,you have to die.

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PostPosted: Tue Feb 05, 2008 10:50 pm   Post subject: Chewing Tobacco  

Does chewing tobacco carry the same weight as smoking? I'm a PA and rarely see medical complications due to this, especially when compared to smokers. Most of the people I take care of are smokers. If my spouse were to start up again in the 2 year grace period and died of mouth cancer 4 years later, would be have a problem with the policy? The addiction is very strong for some and can become an issue for them at any time.


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PostPosted: Tue Feb 05, 2008 11:58 pm   Post subject:   

I would think that tobacco use is tobacco use.

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PostPosted: Thu Feb 07, 2008 10:02 pm   Post subject:   

Yes.



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PostPosted: Sat Feb 09, 2008 4:29 am   Post subject:   

Chewing tobacco, in some cases, is even more harmful than regular smoking.



A bit off topic, but about 10-15 years ago, CNA had a term policy called "smoker's choice." If you were a smoker, you received nonsmoking standard rates for three years. The canned that policy as very few of the smokers stopped smoking. CNA had some interesting twists with their policies.

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PostPosted: Thu Jun 05, 2008 6:49 pm   Post subject:   

Imho it's the responsibilty of the policy holder... he or she should notify the agent or insurance company... reason? Cause the risk significantly changed.

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PostPosted: Mon Jun 09, 2008 8:06 am   Post subject: Thanx for your contributions..  

Hi beatuplunchbox,



Your post has been shifted to the following page to generate a better user response to it:

http://www.ampminsure.org/health/incontestability-clause.html



Regards,

Lakemen



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PostPosted: Sun Jun 15, 2008 6:21 pm   Post subject:   

For me, my answer would be NO. Why? because it would increase my insurance premium. As long as I don't have smoking related diseases, I won't bother to tell them. Very Happy

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PostPosted: Thu Aug 07, 2008 5:35 am   Post subject:   

That is why some textbooks use "one way street" to describe the manner how life insurance companies deal with change of risks before and after insurance application.



When applying for life insurance, if a person has medical conditions and is subject to premium loading, he can request insurance company to review his premium rate if in later years he shows improvement in his heath condition.



Similar requests can also be made by a person who when applying for life insurance is subject to premiuim loading due to occupational risks or smoking habits.



On the other hand, if a person is at standard risk when applying for life insurance but starts to develop some heath problem or picks up smoking habits in later years, he is not required to pay higher premium.

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PostPosted: Sat Jul 11, 2009 8:36 pm   Post subject: ever on life insurance qustions  

when I was asked if I EVER smoked, i said i tried it as a teen so maybe 1-2 cigeretts were smoked. the agent checked NO and I signed the paper that it was true to my knowledge etc. but I mean NEVER as NEVER and I feel guilty about this---what can I do now?? that happened as a teen and I was 51 when i signed this paper


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PostPosted: Sun Jul 12, 2009 1:04 am   Post subject:   

That agent was a fool. He should have put the truth and you would have been considered a non-smoker. He was risking his job. I wouldn't worry about it.

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PostPosted: Tue Dec 08, 2009 9:16 pm   Post subject: when is the insurance company at fault?  

If the company insure a 60 year old man, that claims he never been to a doctors. But he had seen a doctor a few months prior.

The insurance company underwriter procedure indicated that a policy on a 60 year old require a para-med, and speciman. The agent wrote the policy up for non med. The company recorded that a para-med was performed.

The 60 year old died within 21 months of having the policy. Claim denied for misrep. It appear to me that both the insurance company and the 60 year misrep. If the compaany had followed procedures the would have more information. They really should pay for NOT DOING THEIR JOB.


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PostPosted: Tue Dec 08, 2009 10:05 pm   Post subject:   

The result would have been the same with or without the paramed. What's the difference if the insured made a misrepresentation to the agent or a paramedical examiner?


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PostPosted: Wed Dec 09, 2009 9:56 pm   Post subject: best companies to get Life Insurance  

this rating (link removed by moderator per terms of TOS -InsTeacher) shows top rankings for you to decide where you want your policy


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