1 month layoff 4 Insurance blood test

hobie1dog · Dec 18, 2011

I'm going to take off a month as I'm going to have to be subjected to a pesky blood test as part of the usual pre screening for Life Insuarance. The insurance industry has brainwashed the Sheeple into accepting that it is the most socially accepted form of gambling. We are gambling that we will die, and they are gambling that we live and pay all the premiums, and they have been on the winning end of this for over a century. I just received 6 new blends too.

.

I think I read that it takes about 3 weeks to get all the nicotine out of your system. I'll surely miss my beloved Penzance :crying:

soylentgreen · Dec 18, 2011

Sorry to hear that. At least pipe smoking is something that can "easily" be set aside when necessary.

iowamike · Dec 18, 2011

Serious suckage on the sucko-meter of life.

igloo · Dec 18, 2011

You know if you die they can deny benifits if they find anything in your blood that should not be there . Yep marked deck and all . :crazy: Pay em the 10 bucks more a month and sleep well , my friend .

rickpal14 · Dec 18, 2011

Send me your Penzance Hobie, I will take good care of it!!!

You beat me too it Bob!!!

nsfisher · Dec 19, 2011

i'd rather pay the extra premiums and enjoy myself each day, dont c how u can go a month mate without a smoke! good luck to u tho

romeowood · Dec 19, 2011

Drink lots of fruit juice too Hobie.

aussielass · Dec 19, 2011

I thought in USA pipe smokers weren't considered "smokers" for some life insurance policies? I would never set out to deceive an insurance company, far too much at stake. Blood test or autopsy at death reveals any difference to that which you stated can only leave your loved ones with a major PITA, perhaps even devoid of a payout.

jship079 · Dec 19, 2011

If they do a mouth swab it can show up for a hole year!! I don't know about the fine print about not paying you if you have it in your blood after you get your insurance. I need to find out when I got my insurance I had not smoked for a year so I answered truly but since then I have picked up the pipe and cigar again I dont smoke that much even my DR. thinks the amount I smoke is not a point worth speaking of.
AUSSIELASS@ tobacco is tobacco in the US we are all evil in the eyes of the antis and health industries.

withnail · Dec 19, 2011

It's strange reading this as, for most people, a blood test isn't needed for life insurance here. What happens to people whose faith doesn't allow them to give blood? Are they refused all life insurance?
I'd agree with what others have said. If you have made a false statement in your application the chance are the insurance wont pay out. Either tell them you smoke or put the money you'd use to pay the premium into another form of investment.

withnail · Dec 19, 2011

If you have made a false statement in your application the chance are the insurance wont pay out

With any form of insurance the above remains true. I would also check if the small print of your specific policy requires you notify the insurers of any change of circumstance that may affect the policy.

hobie1dog · Dec 19, 2011

Why can you not say that you took up pipe smoking 6 months after the policy started? Are you then supposed to call them up and tell them that you took up smoking? :crazy:
My contact said that there is still the " celebration clause " for the person who smokes 2-4 times or so per year.

mluyckx · Dec 19, 2011

I pay the extra.... Not worth the risk

hobie1dog · Dec 19, 2011

pay the extra.... Not worth the risk

Well, I didn't get any quotes on how much difference there is per month.

withnail · Dec 19, 2011

Why can you not say that you took up pipe smoking 6 months after the policy started? Are you then supposed to call them up and tell them that you took up smoking?

That's why you need to check the small print of an individual policy. If the premium is lower for a non-smoker then you probably would have to inform them if you start.

jship079 · Dec 19, 2011

@withnail it's strange reading this as, for most people, a blood test isn't needed for life insurance here. What happens to people whose faith doesn't allow them to give blood? Are they refused all life insurance?

My test was blood for Disease and urine for the nicotine. but to answer you question they do one or all Blood, Mouth swab , and urine. If you decline then no insurance they dont care about your religious belief every one would just say they were Muslim or Budist or whatever why doing drugs dying of cancer and smoking like a champ.I see there point smokers and the like do have a shorter life expectancy and more health risk than non-smokers just like women are cheaper than men because they live longer heather lives than men in general.

lordofthepiperings · Dec 19, 2011

Actually pipe smokers have a longer life expectancy than non-pipe smokers. The Surgeon General has released studies that show most pipe smokers live, on average, two years longer, because of the reduction in stress pipe smoking brings about. For non-pipe smokers the added stress results in a heart attack and death at an earlier age. It's those damn cigarette smokers that ruin it for us pipe smokers. With knowing these facts you'd think premiums would be lower for a pipe smoker, because the insurance companies will get, on average, two more years of money out of them. I wonder what an agent would say if you took this information with you when originally filing for the policy?

jship079 · Dec 19, 2011

Actually pipe smokers have a longer life expectancy than non-pipe smokers. The Surgeon General has released studies that show most pipe smokers live, on average, two years longer, because of the reduction in stress pipe smoking brings about. For non-pipe smokers the added stress results in a heart attack and death at an earlier age. It's those damn cigarette smokers that ruin it for us pipe smokers.

I would have to say this is total horse crap lets see some documentation the surgeon General put out and not those fake 1960 banners Keven puts up. Smoking is bad for us people I would say the only reason cigar and pipe smoking is not as bad is because most of us don't inhale I would suspect that if you inhale it would be no different the cigarettes.

hobie1dog · Dec 19, 2011

I would think it would be darn near impossible to come up with documentation relating reduction of stress with just pipe smoking as there would be many other factors related to stress in your life, even if you do smoke a pipe. So isolating the smoking factor out by itself would be hard to do.
The insurance companies still make the rules, and have the rules put into place by buying their way into Washington with the enormous amounts of money and lots of Lobbyist. Can you drive a car without insurance?...NO
Anyway, I still have to somehow talk this over with my agent to see how much difference the premiums will be.

hobie1dog · Dec 19, 2011

Send me your Penzance Hobie, I will take good care of it!!!

Just like I'll take good care of that Ashton of yours.

1 month layoff 4 Insurance blood test

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