What do you mean I cannot smoke for 2 weeks?

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benmarcum

benmarcum

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So me and the wife went shopping for life insurance the other day. Of course the smoking question came up. I answerd that i smoke 5 to 7 pipes a week. Sometimes a cigar. My sales person then tells me i cannot smoke for 2 weeks to get the vitamin N out of my system so i can get a lower rate...these 2weeks are going to suck.
 
they are doing blood and urine tests...i guess people have not been "honest" with them in the past.
 
Well strike me down! Not that I'd suggest someone be dishonest in the face of tests... :lol:

...what a drag (so to speak). Can't you claim "second hand smoke" at an resort, casino or something? *sigh* Probably not. What about "I'm trying to quit, it's nicotine gum?"

There's always a way out.

8)
 
I figure I will have the wife clock me in the back of the head a few times daily with a Louisville Slugger so I sleep through the next two weeks...really just seems like the best option.
 
...are you that addicted? :| I'd be irritated at the lack of freedom to relax how I want, but I could make two weeks go by okay without a pipe. You can do it, I think. ;)
 
Nah. Not that bad really. The worst part is going to be not knowing what to do with myself after dinner.
 
Just did the same thing. Bought more insurance when my son was born. Could be honest about the pipes and cigars as long as I didn't test positive for nicotine. Worst part was my son was 10 days old before I could smoke the celebratory cigar I'd been holding onto for the better part of the last year.
 
Well I wasn't smoking much at all when I was shopping for insurance. I am definitely going to go back and tell them, Ha Ha.

At least the sales person is giving you the opportunity to lay off and get a lower rate. :cheers:
 
No nicotine in your blood test is good. Be sure the paperwork DOES list you as an occasional pipe/cigar smoker. There is a preferred rates category for pipe/cigar smokers. If it is not in the paperwork, they could refuse the claim if they could find any way to blame the undeclared activity.
 
J Soshae":xi01zqte said:
No nicotine in your blood test is good. Be sure the paperwork DOES list you as an occasional pipe/cigar smoker. There is a preferred rates category for pipe/cigar smokers. If it is not in the paperwork, they could refuse the claim if they could find any way to blame the undeclared activity.
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Yeah, with mine I could answer yes to smoking cigars/ pipes but as long as I smoked infrequently enough that no nicotine showed up at the time of my urine test, I qualified for the non-smoking rate - not the preferred smoker rate.

 
DrumsAndBeer":e87o34s8 said:
Well I wasn't smoking much at all when I was shopping for insurance. I am definitely going to go back and tell them, Ha Ha.

At least the sales person is giving you the opportunity to lay off and get a lower rate. :cheers:
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A very ironic story:

When I first got out of law school I worked for a guy, roughly 50 years old, who smoked cigars. He applied for life insurance and indicated that he was a smoker. When his urine test came back negative the company asked him if his answer to the smoking question was a mistake. His agent told him that he could change his answer to non-smoker but he would have to take another physical (including another urine test) after two weeks. The agent said that he had to be certain to test negative the second time or he'd be flagged.

He had such a hard time staying off the cigars for those two weeks he went out and got a pack of nicorette gum - which actually made him test positive for nicotine. The kicker is, he never smoked another cigar but to this day he is addicted to the gum.

 
Wouldn't the insurance company refuse to pay the benefits if they found out that you were a smoker?
 
Greetings,

Being a 30 year Type 1 Diabetic, life insurance is viturally impossible for me to obtain at any price. Long term care coverage is impossible, too. Count yourself lucky you just have to give up smoking for two weeks. Wish I could take a vacation from Diabetes for two weeks. :(

Caution: Watch your intake of tomatoes, potatoes, eggplant, etc. Any vegetable from the Nightshade plant family. You can get a positive result from just eating your veggies, never mind smoking.

Best of luck.

CACooper
 
CACooper":h1b1ibis said:
Caution: Watch your intake of tomatoes, potatoes, eggplant, etc. Any vegetable from the Nightshade plant family. You can get a positive result from just eating your veggies, never mind smoking.
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Ack, diabetes. :( Not fun.

Interesting note, though, obviously they test for some compound common to nicotine and other components rather than specifically nicotine. Apparently I love the nightshade family of plants. :lol:

8)
 
Kyle Weiss":8p40qp3p said:
CACooper":8p40qp3p said:
Caution: Watch your intake of tomatoes, potatoes, eggplant, etc. Any vegetable from the Nightshade plant family. You can get a positive result from just eating your veggies, never mind smoking.
Click to expand...
Ack, diabetes. :( Not fun.

Interesting note, though, obviously they test for some compound common to nicotine and other components rather than specifically nicotine. Apparently I love the nightshade family of plants. :lol:

8)
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What they look for is Cotinine, the byproduct of metabolized nicotine. Nicotine is a naturally occuring alkaloid present in plants of the nightshade variety. Excessive consumption of tomatoes, for example, can give a positive result for cotinine.

Here's a link about the test:

http://labtestsonline.org/understanding/analytes/nicotine/tab/test

And a link about false positive results:

http://www.livestrong.com/article/26557-reasons-false-positives-nicotine-blood/

Dry reading, but informative.

CACooper
 
Take along a copy of the study that said pipe smokers live longer than non-smokers.
 
CACooper":78jelkej said:
What they look for is Cotinine, the byproduct of metabolized nicotine. Nicotine is a naturally occuring alkaloid present in plants of the nightshade variety. Excessive consumption of tomatoes, for example, can give a positive result for cotinine.

Here's a link about the test:

http://labtestsonline.org/understanding/analytes/nicotine/tab/test

And a link about false positive results:

http://www.livestrong.com/article/26557-reasons-false-positives-nicotine-blood/

Dry reading, but informative.

CACooper
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Hey, I like dry reading...especially when it confirms my laymen assumptions. :lol: As always, the Brothers are there with the info. :cheers:

Thanks. 8)
 
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