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Old 06-14-2007, 12:07 AM
epupovic1122 epupovic1122 is offline
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Default medical exam for life insurance?

how can i clean out my system of nicotine before the medical exam??


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Old 06-14-2007, 12:31 AM
nurse ratchet nurse ratchet is offline
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Sorry, as a licensed agent I am not going to tell you how to cheat and lie to the system.

If you lie and die in the first 2 years, your life insurance is no good. This is a binding contract, and your "honest" answers form a part of the policy and contract. The company will return your premiums paid to your beneficiary in the event of death in the first 2 years of the policy, but that's all you will get.

Didn't your Mother teach you not to lie?
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Old 06-14-2007, 12:31 AM
aaron p aaron p is offline
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If you smoke less than a half pack of cigarettes a day, cigars, pipe, or chew or dip tobacco, you can test positive for nicotine and still get non-smoker rates with the right company.

If your habit causes you to lie on your application, commit insurance fraud, and toy with your beneficiaries' future during the contestability period, your addiction is in control of your life. If you can quit for 3 weeks, you might as well keep going.
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