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<blockquote data-quote="mejoshee" data-source="post: 357227" data-attributes="member: 3144"><p>I just shopped a bunch of online quote tools and Prudential did indeed not give a distinction between not using tobacco of any kind within the last 3 years and current usage of pipe smoking/snuff/chew. It calls this "non-smoker plus".</p><p></p><p>But, YMMV depending on the coverage amount, age, other medical conditions which this tool doesn't account for. </p><p></p><p>I think I may indeed go with Prudential based on the pricing of everything at the coverage I want and given that I can't go back in time and not have the health conditions I have nor tell myself to stop smoking pipe or cigars in the past 3-5 years. :roll: </p><p></p><p>It's gonna cost me, but it's better than no coverage at all... <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite10" alt=":oops:" title="Oops! :oops:" loading="lazy" data-shortname=":oops:" /></p><p></p><p>[edit]FWIW, another thing I read is that paying annual vs. monthly will further reduce the cost. [/edit]</p></blockquote><p></p>
[QUOTE="mejoshee, post: 357227, member: 3144"] I just shopped a bunch of online quote tools and Prudential did indeed not give a distinction between not using tobacco of any kind within the last 3 years and current usage of pipe smoking/snuff/chew. It calls this "non-smoker plus". But, YMMV depending on the coverage amount, age, other medical conditions which this tool doesn't account for. I think I may indeed go with Prudential based on the pricing of everything at the coverage I want and given that I can't go back in time and not have the health conditions I have nor tell myself to stop smoking pipe or cigars in the past 3-5 years. :roll: It's gonna cost me, but it's better than no coverage at all... :oops: [edit]FWIW, another thing I read is that paying annual vs. monthly will further reduce the cost. [/edit] [/QUOTE]
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