Life Insurance

[Wilson]

Turning 40 and finally discovering I might not live forever. I went to get a quote on some life insurance for 250K----well, because I dip snuff, they want like 150 bucks a month. If I was nicotine free, it was 50 bucks a month. WTF.

I guess I have to quit. :scared

 

[gardenweasel]

agent could do that...

 

[MadJack]

Turning 40 and finally discovering I might not live forever. I went to get a quote on some life insurance for 250K----well, because I dip snuff, they want like 150 bucks a month. If I was nicotine free, it was 50 bucks a month. WTF.

I guess I have to quit. :scared

and you have to be habit free for 2 years. I have just over a year to wait for the better rates.

 

[The Joker]

Get term - not whole.




If I were you.

 

[Phenom]

I smoke and I was still able to get a quote for $20-$30 bucks a month, I would check elsewhere.

 

[Wilson]

and you have to be habit free for 2 years. I have just over a year to wait for the better rates.

Shit. My family can live off my 401K---I don't think I can quit.

 

[Wilson]

Get term - not whole.




If I were you.

That was 30 year term. Maybe I just need to shop around.

Thanks.

 

[Wilson]

I smoke and I was still able to get a quote for $20-$30 bucks a month, I would check elsewhere.

What company, if you don't mind telling me.

Thanks.

 

[MadJack]

Get term - not whole.




If I were you.

Yeah, my term expired and need new, so gambling on I make it another year.

 

[MadJack]

Shit. My family can live off my 401K---I don't think I can quit.

that's what he said.

 

[Phenom]

I will have to find it, I changed jobs recently and I put it aside for the moment, when I get through the box of paperwork and find it I will let you know, I did it through a broker and there were multiple companies on it.

On a separate note, just played on Pstars for two hours, 4 spots from money, pocket queens, go all in, called by K10 off, I had 3 times his chips, K 10 on turn an river, a few hands later have pocket 5's last to act, no one has raised, go all in, called by 108 off for half the guy's chips, and turns a 7 and rivers a jack to fill up a gutshot straight. WTF :thefinger

 

[Cie]

150/mo way too high.

 

[MadJack]

150/mo way too high.

Not if you're 50's and a smoker it isn't.

Once I get approved as a non-smoker (after 2 years) it goes from $150 to around $50.

 

[vinnie]

Not if you're 50's and a smoker it isn't.

Once I get approved as a non-smoker (after 2 years) it goes from $150 to around $50.

how they going to know if it's 1 year or 2 :shrug:

 

[MadJack]

how they going to know if it's 1 year or 2 :shrug:

Hell if I know. Fukers find out about everything. Maybe 1.5 years.

Maybe they find out right here :mj07:

 

[tigerfan]

send me an email i can get you some quotes with very little info and then it will be subject to a physical/blood test.

Tigerfan

 

[Cie]

how do they feel about :weed:?

 

[Cie]

I dip snuff

Is that where you snort dry powdered tobacco? Sounds mighty painful if so.....

 

[DOGS THAT BARK]

Ask your agent to get you quotes from these companies--

Top Chewing/Chew Tobacco Life Insurance Carriers and their Tobacco Rate Classes!

• [FONT=Arial, Sans-Serif]AIG Preferred Smoker
  AXA Preferred Tobacco
  ING-Reliastar Preferred Smoker
  John Hancock Standard-Non Tobacco
  Lincoln Standard-Non
  Principal Preferred Tobacco
  Prudential Non-Smoker Plus
  Transamerica Preferred Smoker[/FONT]

 

[vinnie]

Ask your agent to get you quotes from these companies--

Top Chewing/Chew Tobacco Life Insurance Carriers and their Tobacco Rate Classes!

• [FONT=Arial, Sans-Serif]AIG Preferred Smoker
  AXA Preferred Tobacco
  ING-Reliastar Preferred Smoker
  John Hancock Standard-Non Tobacco
  Lincoln Standard-Non
  Principal Preferred Tobacco
  Prudential Non-Smoker Plus
  Transamerica Preferred Smoker[/FONT]

we use John Hancock :mj06: