Blurry Posted April 29, 2010 Report Share Posted April 29, 2010 Do i have to stop smoking? (not cigarettes). And if so, for how long?what else are they checking for? Link to comment Share on other sites More sharing options...
localcrew Posted April 29, 2010 Report Share Posted April 29, 2010 They'll check for traces of some 'recreational' drugs...don't worry...unless you've been smoking crack all night it's not a big deal. Just admit you smoke because they'll know. It will cost you a bit more for your insurance but not an arm or a leg. Smokers pay a higher premium. If you can quit so easily just quit....but it takes a while to get out of your system so if you can't quit...forget about it...They will obviously check for HIV and signs of illness so it's kind of a freebee in that regard. Don't worry about it.... Link to comment Share on other sites More sharing options...
Davey Boy 2.0 Posted April 29, 2010 Report Share Posted April 29, 2010 you'll want to write out a detailed history of your sexual pasta spreadsheet is probably best, with columns for:nameage# of encounterspositionsvenuedurationtype of protectiontoys (Y/N)give/takeanimal noises (Y/N)fetish (specify)injuriesfoodstuffs (specify)I'll PM you mine for reference Link to comment Share on other sites More sharing options...
Im going home Donny Posted April 29, 2010 Report Share Posted April 29, 2010 Do i have to stop smoking? (not cigarettes). And if so, for how long?what else are they checking for? quit everything for 3 weeks...then LIE, LIE, LIE and LIE some more. DO NOT admit to anything...it is NOT in your best interest or your families to do so. Link to comment Share on other sites More sharing options...
Im going home Donny Posted April 29, 2010 Report Share Posted April 29, 2010 ...if by some awefull chance you die and your insurance says smoke was involved...your family should say it was second hand smoke. Please continue to not trust your insurance company. Link to comment Share on other sites More sharing options...
Northern Wish Posted April 29, 2010 Report Share Posted April 29, 2010 I have to agree with Julia here: LIE.Yes you might only have slightly higher premiums now due to being a smoker (even non tobacco products) but the real problem lies in trying to make a cancer related claim in 30 years- god forbid something like that should happen- but its at that point they'll let you know how badly you failed their test.Its the same with drug testing for employment in the US. Most of the time they will hire you and start you without a test but the moment you have an accident in their vehicle or similar, they'll make you piss in a cup and at that point they hope to be free from liability.A friend sells life insurance. He said NEVER tell them you smoked anything. Not even "I was a half a pack a day smoker 12 years ago". They write that shit down....... Link to comment Share on other sites More sharing options...
dave-O Posted April 29, 2010 Report Share Posted April 29, 2010 What Julia said.My life insurance/investment guy is a buddy from HS. He told me that between the swabs and blood tests (that are mandatory for some policies) they can always identify smokers. Link to comment Share on other sites More sharing options...
Northern Wish Posted April 29, 2010 Report Share Posted April 29, 2010 A swab will identify a current or recent smoker only; the blood test is where long term history shows up.I wonder if those kits they sell in head shops would help with yoru problem? They work- just ask half of GM employees in Oshawa (if there are even any left). Link to comment Share on other sites More sharing options...
livingstoned Posted April 30, 2010 Report Share Posted April 30, 2010 A friend sells life insurance. He said NEVER tell them you smoked anything. Not even "I was a half a pack a day smoker 12 years ago". They write that shit down.......True story, I work in Imaging Services for Individual Life Insurance right now. They have in the application smoker information (including both pot and cigarettes) ie: "smokes xxx a day" or "did smoke xxx a day for xxx years." If you do not lie at this time you can apply for a policy change later down the road to get a better premium if you quit. I see those all the time "smoker to non-smoker, health style change" Rates continue to go down the longer you are a non-smoker starting with 1 year I think. I do not know how long you have to complete medicals or what's involved in the medical for a basic life policy but I can probably find out for you if you tell me the type of policy(s) your looking at. I did see a medical report today for some sort of Healty Life style policy which included results for kidney function, blood work, cholesterol, presence of white/red blood cells in urine, blood pressure and a few other things. I believe that line of testing though was specific to that "healthy living" policy and not for a basic life insurance policy. Link to comment Share on other sites More sharing options...
SaggyBalls Posted May 1, 2010 Report Share Posted May 1, 2010 They'll check for traces of some 'recreational' drugs...don't worry...unless you've been smoking crack all night it's not a big deal.Give that one 9 days, localcrew. Link to comment Share on other sites More sharing options...
Blurry Posted May 5, 2010 Author Report Share Posted May 5, 2010 hey folks - sorry, I'm just getting back around to this now. Thanks for the advice! All of it's appreciatedLivingstoned - it's basic life insurance I'm going for. Link to comment Share on other sites More sharing options...
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