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<blockquote data-quote="ftrplt" data-source="post: 8310" data-attributes="member: 32"><p>Rule #1...Don't ever tell'em anything other than you are the picture of perfect health! They have a bunch of rules relating to height, weight, health history, family history, etc. Their lowest-advertised rates are based on matching a health profile; anything outside that profile means a higher premium! Deny everything; implicate everybody!! That's my story..and I'm stickin' to it!!</p><p></p><p>Rule #2...They can test you for nicotine usage; it's either a blood(seldom used) or breath analyzer(the norm) test. No let them test=no insurance. However, according to my medical buds, unless you inhale a whole bunch (i.e., cigarettes), the chances of this test showing anything for a pipe or cigar smoker are slim (again, presuming NO inhalation). Plus, if you know the test is approaching...just quit for a few days. Your system clears out pretty fast! Also, gargling with a NON-alcoholic mouth/dental rinse will help with the breath analyzer. I know nothing about the effects of smokeless tobacco; you're on your own there!! FWIW...FTRPLT</p></blockquote><p></p>
[QUOTE="ftrplt, post: 8310, member: 32"] Rule #1...Don't ever tell'em anything other than you are the picture of perfect health! They have a bunch of rules relating to height, weight, health history, family history, etc. Their lowest-advertised rates are based on matching a health profile; anything outside that profile means a higher premium! Deny everything; implicate everybody!! That's my story..and I'm stickin' to it!! Rule #2...They can test you for nicotine usage; it's either a blood(seldom used) or breath analyzer(the norm) test. No let them test=no insurance. However, according to my medical buds, unless you inhale a whole bunch (i.e., cigarettes), the chances of this test showing anything for a pipe or cigar smoker are slim (again, presuming NO inhalation). Plus, if you know the test is approaching...just quit for a few days. Your system clears out pretty fast! Also, gargling with a NON-alcoholic mouth/dental rinse will help with the breath analyzer. I know nothing about the effects of smokeless tobacco; you're on your own there!! FWIW...FTRPLT [/QUOTE]
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