Pat: We are still back to the laws being on the side of the Insurance companies. If you don't smoke, skydive, race cars, scuba dive, climb mountains, etc., then anytime in the future you decide to do any of these activities, they will deny your claim if you die from it. Doesn't make any difference if the time frame was the day you signed up for the policy, or 15 years later, you are still doing an activity which they prohibit you from doing to reduce their chances of profitability. So you can never have your kids get you that skydiving present for your birthday. Prudential last week told me that I could smoke one bowl of pipe tobacco per week and get the non-smoker rates.some Corporate Stooge sitting in an Ivory Tower determined that they will control their clients behavior...it's still all about the most socially accepted form of gambling we have worldwide, and Corporate profits, and they will come out ahead, and have since its inception.
Oh, welcome to the forum Pat. :D
