Help! Getting screwed by the insurance company

[timmay]

So I need to get life insurance for myself and my wife. Trouble is we're young and in our 20s with crap jobs and its going to cost like $60 a month more if I'm a tobacco user versus no tobacco. Sounds like I have to be tobacco free for a year in order to qualify as non-tobacco, and according to my great insurance broker, if I was tobacco free for another 2 years after that, the insurance company can't touch me. In the mean time though, it looks like no pipe for up to 3 years :crying:
Hoping you guys have some good advice or any tips and tricks to try and get around this. Unfortunately there is no way that I or my wife can justify that amount of extra money per month so I can continue smoking. Ugh. So frustrated and pissed, help.

 

[bootlegbonvivant]

My advice would be to shop around, talk with different agents. We just did term life insurance through Farm Bureau. There wasn't a test the use of tobacco products if I remember. It was all based on my word.

 

[collin]

I'd start shopping for a company all over again, and this time without a broker.

 

[jcsoldit]

I’d also do some research regarding testing for tobacco use.
I have very good friend of mine who normally smokes 2 or more cigars a day just went to work for a well known hospital in our area that happens to have a no tobacco use policy for its employees. He stopped smoking and stayed out of the B&M for one week prior to being tested and passed without a problem.
Just a thought…

 

[tiltjlp]

Tim, many doctors, and possibly insurance companies, don't consider moderate pipe smoking to be a risk factor. I'd look around more on my own if I were you.

 

[duncan]

Check with the holder of your auto insurance policy. Most of the major insurers out there do multible policies and will offer a discount to current holders. I use State Farm for all my policies and when I had my Bike the insurance was virtualy free. SO check with your current policy holder and see what they have to offer and what discounts may apply.

 

[forsooth]

What JC said.